vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: VA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX

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 2022-05-04 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Paypal credit was the method used to pay for a transaction I used to purchase from a vendor on XXXX  XXXX nor paypal are giving me a refund for products I have not received The merchant said he was going to send me my products within 20 days max as production was 12-15 days The seller has not been responsive and does not want to give me my full refund

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 2022-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XXXX XXXX, XX/XX/2020 AND XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction. 

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States. 

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT. 

I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XXXX XXXX, XX/XX/2020 AND XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction. 

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States. 

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT. 

I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, 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 2022-05-04 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
Called XXXX to get my hard inquiries removed because they were unauthorized inquiries by me XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXXk 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 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 2022-05-04 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: GA

Complaint narrative:
CAPITAL ONE AUTO FINANCE To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XXXX XXXX, XX/XX/2020 AND XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction. 

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States. 

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT. 

I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 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 2022-05-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 2022-05-04 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:
In accordance with the Fair Credit Reporting act EXPERIAN has violated my rights. 
Account 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I have not authorized anyone in writing.

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 2022-05-04 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: CA

Complaint narrative:
XXXX XXXX XXXX In the amount of XXXX Account number # XXXX Date opened XXXX XX/XX/2022 I have no knowledge of this account and it was never opened by me and this is showing up on my Experian credit report as delinquent with late payments. I have already tried to dispute it through Experian and sprint to no avail and would like to resolve it through higher ups please help me thank you and god bless.

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 2022-05-04 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: MN

Complaint narrative:
XXXX AR XXXX XXXX XXXX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights. 

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out 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 2022-05-04 00:00:00
Product: Debt collection — Other 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: Monterey Financial Services LLC
State: IL

Complaint narrative:
Monterey Financial Collections in California working on behalf of XXXX XXXX XXXX a Timeshare company in XXXX. We were coerced into buying a timeshare in which we were held all day and the only way to leave was to sign a contract. When trying to get out of the contract we were told that this had to be done within 3 days ; however, we didn't get the documents until 7 days later. 
So, we stopped paying! Now, they turned over to collection company in the US. Each month they continue to add ridiculous amount of interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
I received your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 non-monetary relief
Consumer complaint received 2022-05-04 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: PA

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 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 2022-05-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Called XXXX to get my hard inquiries removed because they were unauthorized inquiries by me 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 2022-05-04 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: Synovus Bank
State: FL

Complaint narrative:
In accordance with The fair Credit be XXXX act XXXX 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 instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open Consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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:
In accordance with the Fair Credit Reporting Act XXXX  ( XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ), 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

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 2022-05-04 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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), 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

Company response to consumer: Closed with explanation