vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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:
I'm writing this complaint and there is no third party involved. This company XXXX, Experian and XXXX XXXX is very deceptive and unfair, they keep ignoring the situation based on the instructions I'm gave them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me. 

This is my privacy and I take very serious and if XXXX, XXXX XXXX and Experian wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. XXXX, XXXX and Experian broke the law and they keep doing stuff 's with my consumer report without my consent. No consent is Identity Theft. Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG THREE CREDIT BUREAUS. AND THEY TALKE ABOUT HOW XXXX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how XXXX often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. They Talk about For many complaints, Experian frequently stated it would take no action because it believed the complaints were submitted by third parties, however, it did respond to the remaining complaints with substantive responses. 
XXXX made similar promises and frequently failed to provide the outcomes of investigations to the CFPB. It often stated it would take no action on complaints because it believed the complaints were submitted by third parties.. I need XXXX, XXXX and Experian to take responsibility and stop doing this illegal practices .... 
I don't want the same thing happen to me, Im attaching new copies copies that I have sent today to XXXX, XXXX and Experian. 
attached with my social security card, ID and proof of Address.. Lets see what will be the excuse this time. 

PLEASE NOTE THAT IM NOT TALKING ASKING YOU TO INVESTIGATE OR VERIFY THIS ALLEGED ACCOUNT, IM THE ONLY ONE WHO CAN VERIFY.

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 2022-02-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information on 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've asked for the past seven months that the items be deleted to correct my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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

Complaint narrative:
PayPal permanently limit my account for no reason and they won't assist me with this. 
I don't know whether this is some mistake on their part so I accept it must be. 
It's been a month and no clear response from them that they will help me on what to do to fix it. So I recalled that I could send a report here as I was frustrated that they are not doing their job properly and it is affecting me as a great deal as I used PayPal frequently. 
My email connected to PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TX

Complaint narrative:
on XXXX XXXX XXXX closed an account for non use. As a result my credit scored took a XXXX point drop with XXXX and Equifax. Once again I have to deal with a drop in my credit score from action which was not of my own doing. this may adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly and truly deceptive practice. It is absurd that I should be punished for an action I did not take and XXXX allows to continue to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TX

Complaint narrative:
on XXXX XXXX XXXX closed an account for non use. As a result my credit scored took a XXXX point drop with XXXX and Equifax. Once again I have to deal with a drop in my credit score from action which was not of my own doing. this XXXX adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly and truly deceptive practice. It is absurd that I should be punished for an action I did not take and XXXX allows to continue to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have counted about 16 errors on my credit file. My attempts to get them corrected have been ignored by the credit bureaus. I reached out to XXXX, Transunion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX by phone and mail. Now I taking it a step further to point out that each company is fraudulently reporting information including accounts and incorrect/invalid account statuses.I asked them all to provide me with any type of sign letter or authorization given by me that allows them to do ANYTHING on my credit file. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have not provided so such thing.

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Today date Comenity Bank closed an account I am using for lack of use. This cause my credit rating to plummet by XXXX points. I am being punished yet again by action not of my own making. This seems outrageous and unfair. The credit says they can do nothing unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to validate this debt and have the right to do so according to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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:
Hi I am coming to you to talk about an account listed under my name and social that I noticed does not belong to me. I have sent several letters to the XXXX, XXXX, Transunion, and XXXX to fix it. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted them so it could be resolved before I ask for payment for violating my consumer rights. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with the original creditor and I am the original creditor. There are addresses that I never lived at or even provided the information that I did live there. A company or corporation can not tell me where I lived nor can they verify that in any way. I want my credit report updated to reflect true valid 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 non-monetary relief
Consumer complaint received 2022-02-04 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: LA

Complaint narrative:
Hi I am coming to you to talk about an account listed under my name and social that I noticed does not belong to me. I have sent several letters to the XXXX, XXXX, XXXX, and Equifax to fix it. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted them so it could be resolved before I ask for payment for violating my consumer rights. It is my understanding that per XXXX USC XXXX ( XXXX ) Validation of Debts that only way an account can be validated is by speaking with the original creditor and I am the original creditor. There are addresses that I never lived at or even provided the information that I did live there. A company or corporation can not tell me where I lived nor can they verify that in any way. I want my credit report updated to reflect true valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANCO POPULAR DE PUERTO RICO
State: NC

Complaint narrative:
Since I have been a customer, either my payments are not registered on my account or my certified cashiers checks are placed on hold. The certified cashiers check from XXXX are GURANTEED FUNDS .No one can explain to me why payments have this interference. 

Either my payments are missing or placed on a 5 day hold. I am attempting to use the card but keep a zero balance so I mail my payments in advance.

I am hoping to buy a home and have to keep my cards low or zero balance.

I feel that my account and my person has been " singled out '' by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. AND EVERY TIME I ASKED FOR A CREDIT REPORT THEY WOULD SAY THAT THEY CANT FIND ONE IN MY NAME. ON MY CREDIT REPORT EQUIFAX IS REPORTING SOMEONE ELSE REPORT ON MY CREDIT REPORT AND IT IS IN SOMEONE ELSE NAME BUT ITS STILL ON MY CREDIT REPORT. 
XXXX REFUSE TO GIVE MY CREDIT REPORT AND I SEND IN THE REQUIRED DOCUMENTS. AS A CONSUMER I HAVE THE RIGHT TO KNOW WHAT IS ON MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Thank you for taking the time to review my credit file. 
I did not give permission to the following companies to pull my credit report. 
When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXX XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im disputing that Transunion hasnt responded back to me within 30 days. I mailed my certified letter off XX/XX/XXXX. By law their obligated to respond within 30 days

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 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of XXXX. I cant get Hired with these collections.

Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of XXXX I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? and they called my Daughter and her boyfriend also a Co worker who I have not seen sense i was fired. Im dying out here help me get this deleted again. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information on 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've asked for the past seven months that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's 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 2022-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Thank you for taking the time to review my credit file. 
I did not give permission to the following companies to pull my credit report. 
When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE CAPITAL ONE AUTO FIN XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX BANK CREDIT CARDS INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation