vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Bought out my lease at the Kia dealership. Dearlership told me I did not have any payments left on the lease. Two weeks later Kia Finance autmotically withdrew another payment for the lease. I contacted Kia Finance and they told me the dealership is supposed to inform me to remove auto payments. 

Kia Finance will refund my final lease payment by sending a check at the end of the month. This is a period that they would charge 7 % interest on ; I, of course, am unable to collect on that.

The dealership was wrong about not having any more payments on the lease, but it shouldn't matter : Kia Finance is made aware of lease purchases the day they are complete. There is no reason Kia Finance could not simply cancel the loan payment account in order to avoid any additional automatic payments.

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 2023-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Abitlity recovery services was asked to send me four pieces of proof that its my debt. I gave them 30 days from all three bureaus to submit the proof to validate to me. As its a XXXX VIOLATION because I didnt sign any papers to allow a third party to get any of my medical information. So XXXX not sure where or how they got my medical information as I also was just told XX/XX/XXXX. I was part of a breach with XXXX an XXXX llc. With literally all of my information.

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 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to purchase a vehicle. I was pre approved and indicated I did not want to apply with any other lenders or have my credit checked by XXXX. My intent was to complete the purchase entirely online with XXXX XXXX once a pre purchase inspection was completed. I have text messages stating this and assuring me my credit would not be run and I had to fill out the application for identity purposes. As soon as I submitted the application my credit was run through multiple lenders at least 5! Despite my pre-approval and the assurance that it would not be run. I am requesting these inquiries be removed from my report as they were not authorized and impacting my credit score. I ended up not purchasing the vehicle as it did not pass the independent inspection I had performed.

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 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to purchase a vehicle. I was pre approved and indicated I did not want to apply with any other lenders or have my credit checked by XXXX. My intent was to complete the purchase entirely online with XXXX XXXX once a pre purchase inspection was completed. I have text messages stating this and assuring me my credit would not be run and I had to fill out the application for identity purposes. As soon as I submitted the application my credit was run through multiple lenders at least 5! Despite my pre-approval and the assurance that it would not be run. I am requesting these inquiries be removed from my report as they were not authorized and impacting my credit score. I ended up not purchasing the vehicle as it did not pass the independent inspection I had performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to purchase a vehicle. I was pre approved and indicated I did not want to apply with any other lenders or have my credit checked by XXXX. My intent was to complete the purchase entirely online with XXXX XXXX once a pre purchase inspection was completed. I have text messages stating this and assuring me my credit would not be run and I had to fill out the application for identity purposes. As soon as I submitted the application my credit was run through multiple lenders at least 5! Despite my pre-approval and the assurance that it would not be run. I am requesting these inquiries be removed from my report as they were not authorized and impacting my credit score. I ended up not purchasing the vehicle as it did not pass the independent inspection I had performed.

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 2023-05-01 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: GA

Complaint narrative:
Re : Disputing Fraudulent XXXX  XXXX Account Number XXXX To Whom It May Concern : After reviewing my consumer credit report, I have noticed several fraudulent items that are violating my rights as a consumer in accordance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX has violated my rights. This account is fraudulent and unauthorized and should be removed from my consumer credit report immediately. 

I am writing to dispute the fraudulent opening of XXXX XXXX Account Number XXXX in my name, and any charges or reporting made to this account. 

Enclosed are copies of government issued identification, proof of address, FTC Report, and police report documenting this fraudulent account. 

Under the Fair Credit Reporting Act, you have 30-days from receipt of this letter to remove this fraudulent account. Once removed, please send an updated copy of my consumer credit report regarding this fraudulent account. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: CA

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Inquiry Name : XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2022

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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I got a credit report alert detailing that I had a new account with FEB/Destiny. I called the company and it was in fact an account listed in my name. I have never heard of the company or bank and reiterated this several times to the reps. They informed me that a freeze would be placed on the card and that a team would review it. I asked the rep for the address that the card was shipped to and when the account was opened. I was notified that it was opened on XX/XX/XXXX and the rep would not provide me the address but rather replaced the initial address on the account with mine which i find to be very unethical and unsafe. Rep then back peddled and stated that initially there was no address listed on the account. Asked the company to remove from my credit report and was informed that it could not be removed until after the investigation and me filing an affidavit with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: PA

Complaint narrative:
THERE ARE INQUIRES REPORTING ON MY FILE THAT I DIDN'T AUTHORIZE. I'M SUBMITTING MY COMPLIANT ALONG WITH THE LETTER I CREATED WITH THE FOLLOWING INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
After doing a minor audit I found a fraud charge when I reported it to the credit card company my claim was denied with in 24 hours I dont think this is far as how can they investigate something that fast. I was defrauded and it seems like Barclay Rci elite reward is protecting this merchant instead of me as a customer.

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 2023-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal Customer Service, I am writing to submit a formal complaint regarding the permanent limitation of my PayPal account, which I believe has been placed by mistake. My PayPal account email address is XXXX. 

Firstly, I would like to state that I have not violated any PayPal policies, nor have I engaged in any activity that would warrant such a severe penalty. Therefore, I respectfully request that you re-investigate my case to confirm that this limitation was placed in error. 

Furthermore, I would like to emphasize that my PayPal account is crucial for conducting my personal and professional financial transactions. As such, the permanent limitation of my account has had a significant impact on my daily life and business operations. 

In light of the above, I humbly request that PayPal reconsiders its decision and restores my account to full functionality. I believe that a thorough review of my account activity will show that I have always adhered to PayPal 's policies and guidelines, and that there is no justification for the permanent limitation of my account. 

I would appreciate it if you could provide me with a prompt response to my appeal, as I am eager to resolve this matter as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Trans Union is reporting an inaccurate and inconsistent information in my credit report. I have disputed the inaccuracy on many occasions but Trans Union simply send me a letter that states account verified as accurate without providing me with the description of the procedure used to determine the accuracy and completeness of the information contained in my credit report as required by the FCRA. 

I have requested the description of the procedure used to determine the accuracy of this account from Trans Union on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX but have not received anything back at the time of filing this complaint. 

Trans Union is therefore in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which states : a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available

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 2023-05-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-05-01 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In accordance with the fair credit reporting act, Capital One has violated my rights with account XXXX. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 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. 
This company has violated these terms for the following months. 
XXXX and XXXX and XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This company LVNV has been reporting on my credit report. I asked them to validate the debt. I asked them to include my signature or anything showing thats its my debt like a contract and they have not been able to verify anything. I have no clue who this company is. They violated my rights. Its been over 60 days and they havent validated anything. I need them to remove this debt off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This was from credit theft. Tried to fix with the company and they still sued me. I never got the notice to appear in court. I got notification from my employer that I was getting my wages garnished. I was sued for {$1400.00} approximately. I got notified that it has been paid from my payroll department that is alleged debt was paid in full. I have been checking my credit report quite often and noticed that Midland Credit Management states I still owe them the amount of {$130.00}. I sent them a letter disputing this and after a month they replied back it stating its accurate. They refuse to update and delete this debt. They only sent me an itemized bill. Nothing with my signature proving it was mine.

Company response to consumer: Closed with non-monetary relief