vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc.
State: UT

Complaint narrative:
FTC Report NumberXXXXDESIGNED RECEIVABLE SOLUTIONS has placed four unauthorized collections on my credit without notifications. Validation of a Debt Request Pursuant to 15 USC 1692 gb, Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) 18 U.S.C. 1028A : Aggravated identity theft. DESIGNED RECEIVABLE SOLUTIONS is not licensed to collect this debt in my state.Further more pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations.You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports.This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. This is identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
My credit report is showing two collection accounts, the collection company is Southwest Credit system XXXX account XXXX, Southwest Credit System XXXX account XXXX received no written notification about this debt. I had no time to dipute this debt. I am disputing these collections as well as requesting debt validation. In this debt validation I would like to see the contract I signed with the original creditor guaranteeing I pay this debt with my signature, detailed history of payments, proof that you have the chain of title to collect on this debt. Without being able to provide any of this information I am requesting these collections be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Exeter is a fraudulent company do not loan a car from them. They do not care all they want it money. I traded my old car and bought a XXXX XXXXXXXX XXXX  made a downpayment on the car. I was paying the car monthly. My car ended up getting stolen by XXXXXXXX XXXX XXXX. I asked them for an extension. I asked them if there was a way that they could stop the payments on the vehicle because I had XXXX XXXX XXXX XXXX XXXX which cost me a lot of money almost XXXX dollars a week. They never helped me. The agents were rude the supervisors too demanding that I give them money or they would take my car. I noticed that the last time I paid they would rack up fees on top off that my loan is out of control they let it get out of control now I am in debt almost XXXX something dollars. I had my belongings in the car and they came and repoed the car without notice. I look outside and my car gone. They were even trying to charge me for the XXXX dollar repoed fee. They lied on paperwork knowing that they never wanted to help me. I called them today and they said that I could have gotten an extension when my car was stolen which they refuse to do. I really want my car back now they are asking me to pay all this money just to get possession of my car. Loan with them at your own risk. They are frauds and scammer. I should have never financed with this company hopefully their is no damage to the car. My credit score is also messed up as well because of exeter. Its crazy what these company 's do they do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting 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: IL

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, 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I got cerulean credit card I thought the fees were XXXX a year not XXXX plus XXXX a month and XXXX varies interest on unpaid balance. This is predatory.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a complaint regarding several fraudulent accounts on my credit report due to identity theft. Despite my attempts to resolve this directly with the credit bureaus, the accounts remain on my report. 

These accounts were not opened by me and are a result of identity theft. Attached to this complaint are copies of my FTC Identity Theft Report and the Police Report substantiating my claim. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to block information that is the result of identity theft from my credit report. The presence of these fraudulent accounts negatively impacts my creditworthiness. 

Please investigate this matter promptly and remove the fraudulent accounts

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please remove these items from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please remove these items from 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

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I am not aware of this debt. I wasn't given a chance to dispute it. I didn't receive proper notification. If indeed you believe I was provided proper notification. I asked that you provide certified letter with the receipt with my signature. Showing that I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX paid {$2800.00} failed to provide as evidence after agreement of repairing credit after ID theft committed by XXXX employee, proof rejected based solely on race causing lost of credit limit and intentionally causing damage to credit. XXXX XXXX XXXX has never made any attempt to note an account of such an allegation which damaged the credit limit based on race. Payment plans were canceled after XXXX XXXX XXXX went back on agreement to help repair credit after a large payment was received by XXXX XXXX evidence on the credit card statement ( copy on hand ). Items purchased and charged to account, never received ignored a still charged for all transaction will be used in court due to interest on card from items, ignored by XXXX XXXX XXXX will be held responsible for such wrong doing. XXXX has closed complaints by lying about communications and addressing issues. A claim will be filed and a copy will be sent to all federal bureaus. XXXX XXXX XXXX along with XXXX XXXX has damaged credit with misleading information when in fact ID report denied based on race only. Proof of Att employees using information rejected by XXXX and XXXX credit reporting causing damage to credit. Experian has also been aware of such doing while reporting incorrect credit information on behalf of XXXX and XXXX XXXX. All companies are in violations of XXXX XXXX code 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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account updated on XX/XX/year> but XXXX didnt correct my balance. Which is illegal. I will go after them for reporting inaccurate information data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. 
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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account updated on XX/XX/2024 but Transunion didnt correct my balance. Which is illegal. I will go after them for reporting inaccurate information data.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

This reporting appears to be in direct violation of the law, including 15 U.S. Code 1681. I respectfully request the immediate removal of these accounts from my credit report. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I file this complaint to respectfully request that my two XXXX XXXX accounts be added back to my Equifax credit report. These accounts do not appear on my report which is adversely impacting my XXXX score. One such account is my XXXX XXXX XXXX credit card ending in XXXX. This account was opened in XXXX and is current and in good standing. The other account is my former XXXX XXXX XXXX credit card ending in XXXX, which I opened in XXXX and closed in XXXX. I am unsure why these accounts were removed from my Equifax credit report. I attempted to resolve these issues with XXXX XXXX directly through a prior complaint with the CFPB. However, XXXX XXXX put the blame on Equifax. I have attached Capital Ones response to my CFPB complaint, my Equifax credit report, and my ID, social security card and recent utility bill. Please coordinate with XXXX XXXX to restore these accounts to my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The amount of the updated balance {$3900.00} is the balance that should be reporting on my report.On my XXXX 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 non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX : Request for Removal of Repossession Nissan Motor Acceptance identified on each CRA as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to dispute the inclusion of a repossession submitted by Nissan Motor Credit on your credit report under my XXXX XXXX XXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of consumer reports and the permissible purposes of such reports, I request the prompt removal of this negative item from the credit report. 

FCRA Section 605 ( b ) prohibits the reporting of information on my credit report without my permission. As this repossession does not accurately reflect my credit history, it must be removed immediately. 

Please provide written confirmation once the repossession has been removed from my credit report. I expect an expedited resolution within 30 days from the date of this letter, as required by law. 

You can reach me at XXXX or XXXX if you require any further information. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting 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:
I have no knowledge of this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Contacted by portfolio recovery associates , LLC on date of XX/XX/year> for debt owed to original creditor XXXX XXXXXXXX XXXX XXXX  balance of XXXX. Debt is over 7 years old a the company of portfolio recovery is a third party collector that had purchased the debt. Contact is unavoidable. Due to my legal standpoint this should be disputed. It is a FDCPA violation

Company response to consumer: Closed with explanation