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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 : also states a consumer reporting agency can not furnish a 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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have over 35 inquiries on my credit report since XX/XX/2020, I have sent over several certified letters to all three credit bureaus to remove the unauthorized inquiries that are not account holding. I have not received any response from the credit bureaus or creditors. Lastly, there is a fraud alert on my XXXX report since XX/XX/2020. and has never been contacted about any inquiry unless it is tied to an open account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Vehicle loan or lease — Lease
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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Its been 2 and a half years trying to get a new car or even a car at that under my name XXXX XXXX Ive never been able to get a vehicle I wanted my credit was always an issue and I never knew why until this year XXXX when I was searching for another vehicle I would think my credit was pretty good by now since Ive paid off majority of my bills and debt. Went to XXXX XXXX in XXXX XXXX ( where Ive leased vehicles before ) and never had an issue getting the vehicle but this time in particular my credit mustve been ran 6 times I do not know why! So now my credit has gone down a lot and still not in a vehicle I get a call from XXXX XXXX stating that no one will finance me due to having XXXX vehicles under my name! The car in question was a XXXX XXXX XXXX XXXX which has since been sold of in an auction. I begin to investigate calling both XXXX ( my policy holder ) and Chrysler Capital but No one seemed to know what I was asking for it was the XXXX XXXX letter Chrysler was supposed to send to me when the car was paid off by my insurance XXXX. I had totaled the XXXX on XX/XX/XXXX was paid off in XX/XX/XXXX but still not removed from my credit report I have always wondered why my interests and XXXX was always soo high my credit had been ruined due to the high amount I was paying for cards and other types of things. As of now I have called a total of XXXX calls to Chrysler and XXXX calls to XXXX I was forced to get a vehicle cause i needed one to take my XXXX boys to school as I am a single father and now I am paying XXXX a month for a car i didnt really want. Ive been hung up on transferred to different departments and just lied to saying I would receive an email and letter from Chrysler Stating that the loan was paid off. I was transferred to an executive whom did not want to give me their name which baffles me all that the executive said was it will be off by tomorrow fast forward another 4 days and 10 calls later still have no answer and no emails stating they sent out the email with the lien satisfaction letter. I need this to work I am mentally tired and stressed and I cant take much more of this. please help me settle this issue. Its very unprofessional of way I am being treated by a company I was paying a loan on. Again its been 2.5 years and no one seems to know what happened. I also can attach all the calls I have documented and informed about my issue with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
On XX/XX/22, I sent a Cease and Desist and Debt Validation letter to Credit Acceptance. I will attach to this complaint for reference. I noticed that the contract that I had for a vehicle that was financed by them, were missing some disclosures and I was not made aware of the appropriate information as required by Federal Law. Credit Acceptance sent back a receipt acknowledging that they have received it, but never responded. They are violating my rights as a consumer to validate an alleged debt pursuant to 15 USC 1692g.

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 — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
XX/XX/XXXX, my purse with all of my belongings ( including wallet with ssc, ID, credit cards, keys ) were stolen. Information such as inquiries and collection accounts on my credit report regarding business loans, and evictions are false in result of identity theft. I attempted to contact the credit card companies and reach out to collection company since XXXX, and stated to them that I am a victim of identity theft. They only told me to place fraud alerts on all accounts, however they proceeded to report false information on my credit report and continued to refuse my complaints. I also filed police 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 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I bank with Bank of America. In late XXXX or early XX/XX/XXXX I sent {$2000.00} using XXXX to a friend of mine as a loan payment. 
Unfortunately, I sent the money to a wrong phone number. As soon as I realized that I made a mistake, I called my bank. This was on a Sunday so I has to follow up the next day. They then told me that it takes up to 45 days to get an answer. Another couple of weeks went by only to be told that the recipients bank XXXX XXXX has now put a red flag on the transaction. A week after that I received a letter from my bank suggesting that I contact the recipient instead. 
I have been banking at Bank of America since XXXX so this is the kind of protecrion and service that I get. 
I have also filed a Police report to try to recover my money but until now I have no idea as to who can I turn to. 
Please help. Thank you in advance.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The month of XXXX my credit score was XXXX with Experian, was very happy never been that high before. Then XX/XX/XXXX Experian took my score down XXXX points ( XXXX ) stating that the received information from XXXX XXXX XXXX that I was terminated from the Account. 

I reached out to XXXX XXXX XXXX and they advised that my account has never been closed and to date I have never missed a payment since XXXX. I am an authorized users on this card with my husband and they advised they never provided that information. 

I then reached out to Experian again about the incorrect information the is stopping me from getting house because of this. Experian requested that I email my accounting showing that it was closed which I did, as they said on their report it showing it open but in reality that is not correct. I have excellent on all my credit cards have never missed any payment in over 6 years or more.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the fair credit reporting act the account below Has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681 XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX has violated my rights 15 USC 1682 section 602.A States I have right to privacy 15 USC section 604 A.section 2 it also states a consumer reporting agency Can not furnish A 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 2022-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX issued me a credit for {$90.00}. Their bank is COMENITY BANK. 
I have asked several times for my credit to be posted to my my COMENITY CREDIT CARD.

Company response to consumer: Closed with 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have over 35 inquiries on my credit report since XX/XX/2020, I have sent over several certified letters to all three credit bureaus to remove the unauthorized inquiries that are not account holding. I have not received any response from the credit bureaus or creditors. Lastly, there is a fraud alert on my Transunion report since XX/XX/2020. and has never been contacted about any inquiry unless it is tied to an open account

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: 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 35 inquiries on my credit report since XX/XX/2020, I have sent over several certified letters to all three credit bureaus to remove the unauthorized inquiries that are not account holding. I have not received any response from the credit bureaus or creditors. Lastly, there is a fraud alert on my XXXX report since XX/XX/2020. and has never been contacted about any inquiry unless it is tied to an open account

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Linebarger Goggan Blair & Sampson LLP
State: OR

Complaint narrative:
I got a letter in the mail today from Linebarger Goggin Blair & Sampson LLP regarding a debt I do not owe, from a state I've never been too. This is malicious spam, I saw from my XXXX search they are repeat offenders. They collected my personal information in order to target me.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
n accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 u.s.c 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 XXXX  XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a 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 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : 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 2022-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I was with XXXX and Navient. During these times I asked multiple times if there was a plan that I could possibly be on to lower my payments however they continued to tell me my only option was Forbearance. Even when I was in XXXX XXXX in XXXX and XXXX they informed me that I had to go into forbearance as I was a full time employee. Another time when I filed bankruptcy I asked not to be in any type of forbearance as I knew my loans could not be discharged thru a bankruptcy so I didnt want to accrue more interest however I was again informed that my loans could not be collected on during a bankruptcy. I do believe these forbearance periods would have been ones that would count towards my XXXX program. 

I think this is very unfair as I never said I didnt want to pay I was asking the knowledgeable staff at Navient and XXXX to guide me not lie to me in order for my loans to rack up on interest charges.

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: CA

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

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: AZ

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

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: MO

Complaint narrative:
In Accordance with the Fair Credit Reporting Act These accounts have violated my rights : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX  XXXX *XXXX  XXXX 15 USC 1681 section 602a states i have the right to privacy & 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instuctions

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: LA

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 USC1681. 

XXXX XXXXXXXX  XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without written consent.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them IMMEDIATELY.

Company response to consumer: Closed with explanation