vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 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:
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 XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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:
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 XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Mortgage Mortgage Account Type - Detail : Unknown - credit extension, review, or collection XXXX XXXX loan Bureau Code : Joint Joint Account Status : Open Open Monthly Payment : {$150.00} {$150.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$7600.00} {$7600.00} Credit Limit : {$0.00} {$0.00} Past Due : {$4000.00} {$4000.00} Payment Status : Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - XXXX XXXX loan 180 days past due Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Type : Mortgage Mortgage Account Type - Detail : Unknown - credit extension, review, or collection XXXX XXXX  loan Bureau Code : Joint Joint Account Status : Open Open Monthly Payment : {$150.00} {$150.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$7600.00} {$7600.00} Credit Limit : {$0.00} {$0.00} Past Due : {$4000.00} {$4000.00} Payment Status : Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - XXXX XXXX loan 180 days past due Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have had this credit card and XXXX other cards with capital one. In almost 7 years they have given me 1 credit line increase on accts ending in XXXX, XXXX, XXXX and business card XXXX. My bankruptcy will officially be of my credit as of XX/XX/22 after 7 years. I requested credit line increases on each card and now I get denied because " recent use of existing card has been too low '' So after 7 years with credit score of XXXX and 100 % payment history now I'm penalized because I keep my debt-to-income ratio below 4 % debt. They allege this card was to build credit and they have not allowed me wo do that due to their low credit lines of no more than {$1300.00} AFTER 7 YEARS OF EXCELLENT PAYMENT HISTORY. They refuse to offer me the benefits they promise with building credit. Because their credit lines are so low compared to my other credit cards, I can't utilize their cards because it'll increase my debt-to-income ratio. Even though these have been my longest existing credit cards credit lines are the lowest. They have NOT done periodic reviews for the past 7 year except one that I requested that lowered my credit rating due to a hard hit. after their refusal to give me credit line increases

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The 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 XXXXXXXX, 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. 

These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted.

The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and 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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The 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 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. 

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there.

These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted. 

The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and verification of this record from the court, or delete this public record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 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: AR

Complaint narrative:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: CA

Complaint narrative:
XXXX XXXX is reporting an account on my credit. XXXX  XXXX, the original creditor mistakenly sent this to collection even though I was covered by insurance. Out of good faith, I satisfied the balance and was told the account will be removed from my credit but it has yet to be done. Please delete this account from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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:
Account name : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
{$570.00} TD bank target, disputed for different account information on separate bureaus they refused to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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:
Account # : XXXX Account name : XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
At the end of the billing cycle of my card ( XX/XX/XXXX ), the balance on my statement was {$100.00}, which was due on XX/XX/XXXX. I returned an item bought during this period for {$41.00}, which should have brought my balance down to {$67.00}. Instead, I received a notice from the credit card company ( TJMAXX/SYNCB ) saying that to avoid interest charges, I needed to pay the balance on my account of {$100.00}, which was the {$67.00} balance plus charges going into the next cycle {$8.00} charged on XX/XX/XXXX and {$27.00} charges on XX/XX/XXXX, after the XXXX closing date. I have never experienced this with any other credit card company and wonder if this is, in fact, legal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following companies has violated my rights. There are inquires on my report, that I did not authorize. 

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. 

XXXX XXXX/ XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX Dept of XXXX - XX/XX/XXXX XXXX XXXX - XX/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 non-monetary relief
Consumer complaint received 2022-04-24 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following companies has violated my rights. There are inquires on my report, that I did not authorize. 

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. 

XXXX XXXX/ XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Dept of XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hello, I am writing this complaint after reaching out to the lenders to correct incorrect information on my credit reports. I also want to complain that these companies are not following the mandates as set by the Cares Act for fair reporting. The accounts in question are with XXXX Bank, XXXX ( XXXX ), and XXXX XXXX XXXX. These accounts have inaccurate information across all 3 major credit bureaus. Ive sent letters to the bureaus to dispute these inaccuracies as my right to do so as stated in 15 U.S.C section 1681 i ( a ). In addition, these accounts fell delinquent in 2020 during the COVID pandemic. Accommodations and communications were made with each of these lenders. All accounts are now paid as agreed but past delinquencies are still reported on my consumer reporting. It is my understanding that according to Cares Act, if accommodations have been made and accounts are current. All delinquencies from XX/XX/2020 should be reported as current. My resolution is that all these delinquencies be removed from these accounts that fit this criteria. 

The file attached comes from the Experian website about credit Reporting under the Cares Act

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