vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request a thorough investigation and verification of my account.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXXXXXX XXXX regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report.

In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation.

By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

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 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXXXXXX regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report.

In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation.

By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

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 2024-08-17 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: NJ

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of a bankruptcy entry on my credit report, which I believe has been recorded in violation of federal law. Specifically, the reporting of this bankruptcy is in violation of the following statutes under the Fair Credit Reporting Act ( FCRA ) : Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : The aforementioned statute outlines the specific permissible purposes for which a consumer report may be accessed and reported. My bankruptcy record was included on my credit report without my explicit consent or any permissible purpose as defined by the statute. There was no authorized or legitimate reason for this information to be accessed or reported without my prior written consent.

Violation of 15 U.S. Code 1681q - Obtaining Information Under False Pretenses : It is my belief that my consumer report was accessed under false pretenses, without my knowledge or authorization. The inclusion of the bankruptcy on my report, without my written consent, suggests that the reporting agency or other entities involved may have obtained this information illegally.

Violation of 15 U.S. Code 1681c-2 - Block of Information Resulting from Identity Theft : Furthermore, I have reason to believe that the inclusion of this bankruptcy record may be a result of identity theft or unauthorized access. This statute mandates the blocking of information on consumer reports that are a result of identity theft. I demand that this information be blocked and permanently removed from my credit report. 

The presence of this bankruptcy on my credit report is causing significant harm to my financial well-being and reputation. I demand that this record be deleted immediately from my credit report and that I receive written confirmation of this action within 30 days from the date of this letter. 

Additionally, I request that the CFPB investigate this matter thoroughly to determine whether there has been any illegal activity or violation of my consumer rights. I expect a prompt response and action to rectify this situation. 

Please consider this letter a formal complaint under the FCRA, and I reserve the right to pursue legal action if this issue is not resolved to my satisfaction. 

Sincerely, 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the Convergent account 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 it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

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 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone opened a capital one credit card account in my name back in XXXX  I have never tried to apply for a credit card ever because I know my credit score isnt good enough for an unsecured credit card and I dont apply for a secured one cause I cant afford the deposit amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My complaint is against Experian. I received notice from my credit card that my SSN number was found on dark web. I was advised to lock my credit information. On XX/XX/XXXX I went to XXXX and XXXX XXXX and locked credit file and placed fraud alert without issue or charges. I also went to Experian and was able to lock credit but not put fraud alert. I thought there was no issue. Experian made me enter a credit card, but showed charge of {$0.00}. XX/XX/XXXX I noticed a charge of {$26.00} on my CC from Experian. I called them. First person I spoke to said they where having a problem and where charging people when they were not suppose to. She had to transfer me to someone else. She told me to bad no refund. This is why I am. I want my money refunded and I want to know for sure my credit is either locked or frozen ( whichever is free ) and a fraud alert is placed on 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 monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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 explanation
Consumer complaint received 2024-08-17 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: PA

Complaint narrative:
i noticed continued same banks inquiry fro XXXX XXXX XXXX XXXX, and again on XXXXXXXX XXXXXXXX, and again oXXXX XXXX XXXX, and again on XXXX from XXXX these are fraud and not authorized by me please investigate and remove

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 2024-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  and # XXXX, XXXX XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after XX/XX/2019 from date I filed. Remove late payments and charge off comment, against federal law what your reporting on these payment historys and comments. XXXX XXXX credit card as paid in full and Experian reporting late payments this year. Remove the payment history.

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 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Charge Off Letter Requesting a 1099-C Form XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Ca XXXX XXXX XXXX XX/XX/year> Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX Dear CAPITAL ONE Subject : Request for 1099-C Form Regarding Charge-Off Account I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for my account that has been charged off. The details of the account are as follows : Account Number : XXXX Charge-Off Date : XX/XX/year> Amount Charged Off : {$2300.00} As you are aware, a charge-off occurs when a creditor deems an account uncollectible and writes it off as a loss. However, according to IRS regulations, when a debt is canceled or forgiven, the creditor is required to issue a 1099-C form to the debtor and report this cancellation of debt to the IRS. 

I believe that receiving this form is crucial for my records and tax purposes. It will allow me to accurately report any potential income from canceled debt on my tax return. Additionally, I would like to dispute the charge-off status of this account due to [ briefly explain your reason for disputing the charge-off, e.g., the validity of the debt, payment history discrepancies, etc. ]. 

In light of this situation, I kindly ask that you provide me with the following : A copy of the 1099-C form associated with my account. 
Any documentation supporting the charge-off decision. 
Please send these documents to my address listed above or via email at [ Your Email Address ]. I appreciate your prompt attention to this matter and look forward to resolving it amicably. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BAM Management US Holdings Inc.
State: WA

Complaint narrative:
binance us sent a debt collection to an agency named XXXX XXXX  and its been reported to the credit bureaus in the amount of {$4200.00}. ive never heard or been associated with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX appliance is violating federal bankruptcy law reporting late payments after I filed for bankruptcy XXXX  years ago on an account that was discharged in bankruptcy court with all three credit bureaus

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 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Conns appliance violating federal bankruptcy reporting late payments and charge off on history after date I filed for bankruptcy XXXX  years ago. Remove the late payment history and charge off. This was included in discharge bankruptcy against the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
Unifin , Inc. is in violation of XX/XX/XXXX FDCPA, Privacy Act as well as other Federal and State violations. I demanded for them to cease and desist their misleading communications using false allegations without verification 15 U.S.C. 1692c ( c ). I request valid verification by sword affidavit or signed declaration. This company is trying to extort money from me as well as traffic my information. I have no business with them nor have I authorized any such actions against me. This is abusive business practices using my private information causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company should be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies as well as claim against their bond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNTS that end in # XXXX, XXXX and XXXX from the 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 non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have contacted experian XXXX  and XXXX about this account nothing has been done the information across all three companies is different. I have asked for investigation and re-investigation and they are not investigating the 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 explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns appliance violating federal bankruptcy reporting late payments and charge off on history after date I filed for bankruptcy XXXX  years ago. Remove the late payment history and charge off. This was included in discharge bankruptcy against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX credit card, auto loan # XXXX and # XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after 2020. Remove late payments and charge off comment, against federal law Edit Delete

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 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Someone opened a XXXX XXXX credit card account in my name back in XXXX  I have never tried to apply for a credit card ever because I know my credit score isnt good enough for an unsecured credit card and I dont apply for a secured one cause I cant afford the deposit amount

Company response to consumer: Closed with explanation