vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
This is not a duplicate complaint. This is in response to complaint # XXXX, XXXX, and XXXX. 

I am writing to express my deep concern regarding significant violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Trans Union, and XXXX. These violations are specifically related to the substantial delays in rectifying inaccuracies on my credit reports managed by these agencies. Notably, these delays are a direct infringement of my privacy rights as outlined under 15 USC 1681, section 602. This section of the FCRA is pivotal in ensuring the protection of my personal information, yet these agencies have failed in this regard. 

Moreover, the severity of this issue is further underscored by the provisions of 15 USC 1681, section 604a ( 2 ), which mandates the strict safeguarding of consumer privacy. This blatant disregard for consumer privacy by these credit reporting agencies is unacceptable. 

Additionally, there are concerns regarding the reporting of late payments. As per 15 USC 1666b, a creditor should not report a payment as late for any purpose in a credit card account under an open-end consumer credit plan without proper justification. In my case, these agencies have reported late payments in contravention of this statute, and despite my clear written instructions under an open-end consumer credit plan. This is securities fraud. 

I am profoundly disappointed by the lack of urgent action taken by these credit reporting agencies concerning these errors on my credit reports. I urgently request that XXXX, XXXX, and Trans Union prioritize this dispute, undertake a comprehensive investigation, and ensure validation and prompt correction of my credit reports. 

In conclusion, I am relying on your immediate and decisive action to resolve this matter. Such action is not only anticipated but greatly appreciated, given the gravity of these issues and their impact on my financial wellbeing.

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 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXXXXXX 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 2024-01-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a fraudulent account, XXXX  XXXX, that has inaccurately appeared on my credit report. This inclusion is causing significant stress and negatively impacting my financial standing.

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 2024-01-25 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: CO

Complaint narrative:
I had a loan with XXXX ( XXXX XXXX ) many many years ago and the mortgage was paid off many years ago. I had asked that they remove my information from their systems. Yet through negligence on the part of the company they have allowed my information including social security number to be illegally accessed. They have sent me a letter stating that they allowed intruders into their system and they have offered short-term credit reporting coverage. This is outrageous that they keep customer information on systems that the outside bad actors can get to even though it is well over 4 years since the mortgage was paid off and they were specifically requested to remove my information from their system and I never directly provided them any of my information. They bought my information from another company I had done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank acquired our mortgate from BBVA Compass Bank several years ago. We have never been late nor missed a payment. We are on Social Security income only and the funds used to pay the mortgage are received ( deposited direct ) to our bank on the XXXX  Wednesday of the month. As soon as the funds hit the account, payments are set up through the bank to pay our bills due the first of the following month. We have done this each month as long as PNC has had the mortgage without any confusion or problem. Of Course we are paying early which we deem necessary to do as funds are tight. This past XXXX, the payment was sent by our bank per usual arrangement on the next business day after the XXXX Wednesday. Out of the blue, someone at PNC decides this is an early payment and assumed it was meant as extra money to apply to the principal. Had never happened before as the entire history of our loan payments will show. Ofcourse when no additional payment was received on the XXXX of XXXX, PNC declared us late and now a month behind. This has been explained clearly to them on several occasions but they refuse to correct by simply reversing the erroneous entry and applying it as it shoub have been for the XXXX payment. They are blaming us soley because we paid early. How can thar be when we paid exactly as we have every month since they have owned the loan. How can an early payment logically become a late payment that is our fault. We do not believe the loan contract gives PNC the right without our permission to arbitray change application of the monthly payment amount.Thank you for looking into this for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am urging the elimination of this account from my credit report because it is not rightfully mine, and its inclusion disappoints me greatly. According to FCRA 605B, this must be expunged owing to unjust and inaccurate reporting.

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 2024-01-25 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: 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) : # XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX  ) : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, date of last reported and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-01-25 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: 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) : XXXX XXXX, XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) : # XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, date of last reported and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
An ex friends mother XXXX XXXX XXXX who works for this company got my number from her daughter who received it from a family member of mine that she is cheating on her boyfriend with and gave it to XXXX to call and harass me. It happened about a month ago also calling me back to back until I pick up. I told whoever it was when I called back to stop calling and now again today 3 times in a row until I answered she kept calling. She is doing this bc of her daughter XXXX XXXX that has done nothing but cause problems in my life with her lies and XXXX ways. Everytime I get a new number XXXX gets it from my brother and gives it to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-01-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello everyone, I received an American express gift card from my employer as a XXXX gift in XXXX. I was able to use the gift card for XXXX purchase in the beginning of XXXX but as of recently I have tried my best and have not been able to use it anywhere. I contacted the company earlier this year and they claim their gift card can be used everywhere. Unfortunately this statement is false and their gift card can not even be used on XXXX or XXXX to complete purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
For the month of XXXX I was charged a late fee. The reason my payment was late is I never received a paper statement and the fact that my dad was in the hospital for XXXX XXXX. I explained this reason and was told I signed up for paperless billing, which I did not. They werent compassionate when I told them my reason why. The refused to help me and would not remove the late fee. I filled complaints also with XXXX  on Care Credit, no response.

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 2024-01-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report

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 2024-01-25 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: MN

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax and XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Equifax XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report. 

XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The state of my credit report is profoundly concerning, and my dissatisfaction is comprehensive. It is not just highly embarrassing ; it is evident that either you or the company bears responsibility for reporting this inaccurate information.I AM NEVER LATE IN THIS 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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
Since last year I have had problems at work and with my wife who got sick and I had to face the expenses of everything in my house alone and I can't afford to continue paying the cards. I have tried but it is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to report fraudulent accounts on my credit report validated through XXXX. The banks, accountable for fixing this identity theft issue, must promptly rectify the inaccuracies on my credit report. The banks, acknowledging a system error, committed to removing these entries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
Subject : Friendly Dispute over Unauthorized Inquiries on my Credit Report I hope this message finds you well. I am writing to you regarding my credit report, where I have identified inquiries that were not authorized on my part. I would appreciate your kind assistance in resolving this matter. 

Filed a formal complaint to address this issue and ensure the integrity of my credit history. Understanding the importance of maintaining the accuracy of information and trusting that we will be able to resolve this collaboratively and effectively. 

Attached you will find the specific details of the questioned queries. I thank you in advance for your attention to this matter and am willing to provide you with any additional documentation that may be necessary. 

I hope we can resolve this amicably and quickly. Thanks for your cooperation. 

Sincerely, XXXX XXXX XXXX Unauthorized Inquiries on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
please remove The fraudulent accounts from my credit report. in accordance with the Fair Credit Reporting Act, the list of accounts has violated my consumer rights to privacy and confidentiality under 15 U.S 1681e ( b ). I have told XXXX Transunion and XXXX to remove the fraudulent accounts. in the list below [ XXXX  XXXX ; Acc # XXXX ] [ XXXX XXXX  Acc # XXXX ] [ XXXX XXXX  Acc # XXXX ] [ XXXX XXXX XXXX Acc # XXXX ] [ XXXX Acc # XXXX ] [ XXXX XXXX Acc # XXXX ] XXXX XXXX XXXX XXXX Acc # XXXX ] [ XXXX  XXXX Acc # XXXX ] [ XXXX Acc # XXXX ] [ XXXX XXXX Acc # XXXX ] [ XXXX Acc XXXX ] [ XXXX Acc # XXXX ]. 

however, they said everything was completed. but everything is incorrect. According to 15 U.S 1681i ( 5 ) and 15 U.S.C.1681i ( 7 )

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