vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/2022. I received A letter from Equifax stating that the ( XXXX XXXX XXXX ) was Verified. However, if XXXX XXXX had these accounts removed off My credit report therefore it was nothing to Verifie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: FL

Complaint narrative:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give XXXX written permission to furnish these accounts. 

INQUIRIES 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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: FL

Complaint narrative:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give Equifax written permission to furnish these accounts. 

INQUIRIES 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to 15 U.S.C.sec 1681 Pursuant to 15 U.S.C.sec 1681c-1 ( A ) I the consumer have the right according and under the Fair Credit Reporting Act ( FCRA ) to have any fraud alert removed. I want the fraud alert that has been placed on my credit file removed. I'm attaching appropriate proof of identity for such purpose.

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 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone has used my personal information to apply for a vehicle related services. Below are the companies that ran my credit report without my consent. According to the FCRA legally these unverified and unauthorized items must be removed immediately. Below are the inquires from each credit reporting agency that were not authorized on my credit report. 


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 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 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

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 2022-11-01 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: TX

Complaint narrative:
Someone has used my personal information to apply for a vehicle related services. Below are the companies that ran my credit report without my consent. According to the FCRA legally these unverified and unauthorized items must be removed immediately. Below are the inquires from each credit reporting agency that were not authorized on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/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 XX/XX/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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
They sent out attempt to collect a debt letter after I hold them to cease and desist further communications after the said they don't own the debt. Nor do they have chain of title. Employee kept asking for my personal information. And would not answer questions about this company ownership of the debt. They need to STOP reporting Derogatory information on credit profile as it is not an open active account it is a closed account and settle with XXXX XXXX. I don't owe Bully financial  nothing. There trying to pressure me to pay them with threatening reporting information. I need them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Global Lending Services LLC
State: GA

Complaint narrative:
We purchased a XXXX XXXX XXXX minivan  for the purpose of transporting our XXXX adult daughter in XX/XX/XXXX. Due to a layoff and significant salary reduction that resulted, we filed XXXX XXXX bankruptcy in XXXX XXXX. As part of the repayment plan, the minivan  was paid off in XX/XX/XXXX via a monthly payment far above the initial monthly installment. We were told that we should receive the title at the close of the entire XXXX. XXXX plan in XXXX. My payroll deductions ended in XX/XX/XXXX and upon the Trustee 's audit late this summer, she concluded that all our claims were paid in full. I believe that her closure also included notice to all creditors allowing them to dispute the XXXX balances shown in her report. Approximately two weeks ago, my husband departed his doctor 's office to drive home to our daughter in the minivan and it had disappeared from the clinic parking lot. He called the XXXX Police Department and was told that the vehicle had been repossessed by the lender. We called our attorney who was speechless, who then called the Trustee. In short, the lender is claiming that we still owe interest on the loan, but at no time amended their Proof of Claim or made any effort to notify the court, our attorney or us. We do not have an adequate vehicle to transport our daughter to necessary appointments that will accommodate her wheelchair, nor do we have funds to satisfy any balance that this company contends that we owe. We have now received certified mail telling us that our minivan will be sold at auction after XX/XX/XXXX and that will seek any leftover balances from us. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and XXXX  XXXX XXXX - XX/XX/2021. I demand the deletion of these inquiries from my TransUnion report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.

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 2022-11-01 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: NV

Complaint narrative:
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 any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 16811s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 non-monetary relief
Consumer complaint received 2022-11-01 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: NV

Complaint narrative:
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 any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 16811s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
To whom it may concern, I have been a XXXX  XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX  XXXX XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on my credit card that date back to XXXX of XXXX. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was not actively using the XXXX  credit card. I did not notice that I had my XXXX monthly renewal plan linked to this credit card, which was the only fee I had with this card, and so I oversaw the payment. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX  XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX  XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX  XXXX XXXX is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
To whom it may concern, I have been a XXXX  XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX  XXXX XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on my credit card that date back to XXXX of XXXX. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was not actively using the XXXX  credit card. I did not notice that I had my XXXX monthly renewal plan linked to this credit card, which was the only fee I had with this card, and so I oversaw the payment. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX  XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX  XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX  XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX  XXXX XXXX is heads above the rest. I look forward to your reply.

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A credit card account was opened at XXXX XXXX XXXX  on XX/XX/2022. 

On XX/XX/XXXX, I received information that there was an account in my name and that the address was changed to an address I do not recognize. 

On XX/XX/XXXX, I called and spoke to the supervisor asking them to close the fraudulent account, which they claimed they would but did not. 


On XX/XX/XXXX, I check my credit report and I see that the account was not canceled. 

So I called them to follow up on the situation and they claimed that they would cancel the account today. 

I do not believe them and am working very diligently to have them close the account 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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A credit card account was opened at XXXX XXXX XXXX  on XX/XX/2022. 

On XX/XX/XXXX, I received information that there was an account in my name and that the address was changed to an address I do not recognize. 

On XX/XX/XXXX, I called and spoke to the supervisor asking them to close the fraudulent account, which they claimed they would but did not. 


On XX/XX/XXXX, I check my credit report and I see that the account was not canceled. 

So I called them to follow up on the situation and they claimed that they would cancel the account today. 

I do not believe them and am working very diligently to have them close the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A credit card account was opened at XXXX XXXX XXXX  on XX/XX/2022. 

On XX/XX/XXXX, I received information that there was an account in my name and that the address was changed to an address I do not recognize. 

On XX/XX/XXXX, I called and spoke to the supervisor asking them to close the fraudulent account, which they claimed they would but did not. 


On XX/XX/XXXX, I check my credit report and I see that the account was not canceled. 

So I called them to follow up on the situation and they claimed that they would cancel the account today. 

I do not believe them and am working very diligently to have them close the account 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