vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: LEXISNEXIS
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.

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 explanation
Consumer complaint received 2024-05-04 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: MO

Complaint narrative:
I contacted Trans Union and informed them of the fraudulent and in accurate inquiries thats on my credit report nothing was done XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-04 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 am reporting the invalid data listed on my credit report that has never been validated through the FCRA an needs to be deleted from my credit report. all information listed has been reported as identity theft. please review an review the information to help clear my credit report. no information is correct on all 3 files. delete off my credit report asap.

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 2024-05-04 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, and TransUnion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX also shared non-public personal information ( NPI ) to consumer reporting agencies which are non-affiliate third parties without providing me with an opportunity to opt-out and instructions on how to opt-out before they disclosed the information. As a result, XXXX Card Services has violated my right to privacy according to the GRAMM-LEACH-BLILEY ACT ( GLBA ), Section 501 and 502 codified in United States Codes, 15 USC 6801 and 6802 , and codified in 16 CFR 313.7.

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
Consumer complaint received 2024-05-04 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: NM

Complaint narrative:
XXXX XXXX XXXX has failed removed the false information they have reported on my credit reports. Pursuant to 18 USC 81 8. I owe no debt. The company is violating my consumer right to privacy pursuant to 15 UFC1681 b. Company has also NO permission to report anything using my information pursuant to 15UFC 1681 4. According to the FRCA 15 USC 1681everthing must be 100 % accurate. They have also updated my credit report with inaccurate information an improper investigation of added account. Have not provided No proof of Alluded collection so should not be reporting the false information they have reported to all three credit burews. Have also failed to remove account from all my credit reports as I requested several times. 
They have also broken numerous laws as listed below : 1. Investigative consumer report 2. Improper investigation of disputed account ( XXXX XXXX XXXX ) 3. PROVIDE PROOF OF VALITATED ALDEGED DEBIT 4. REPORTING INACCURIATE INFARMATION ON COSUMER CREDIT REPORT 5. INPROPER USE OF CREDIT REPORT 6. VOLATION OF THE FAIR CREDIT REPORTING ACT 7. VOLATION OF THE FAIR DEBIT COLLECTION PRACTICES ACT 8. DEFAAMATION OF CHARACTER

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 2024-05-04 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: NM

Complaint narrative:
XXXX XXXX XXXX has failed removed the false information they have reported on my credit reports. Pursuant to 18 USC 81 8. I owe no debt. The company is violating my consumer right to privacy pursuant to 15 UFC1681 b. Company has also NO permission to report anything using my information pursuant to 15UFC 1681 4. According to the FRCA 15 USC 1681everthing must be 100 % accurate. They have also updated my credit report with inaccurate information an improper investigation of added account. Have not provided No proof of Alluded collection so should not be reporting the false information they have reported to all three credit burews. Have also failed to remove account from all my credit reports as I requested several times. 
They have also broken numerous laws as listed below : 1. Investigative consumer report 2. Improper investigation of disputed account ( XXXX XXXX XXXX ) 3. PROVIDE PROOF OF VALITATED ALDEGED DEBIT 4. REPORTING INACCURIATE INFARMATION ON COSUMER CREDIT REPORT 5. INPROPER USE OF CREDIT REPORT 6. VOLATION OF THE FAIR CREDIT REPORTING ACT 7. VOLATION OF THE FAIR DEBIT COLLECTION PRACTICES ACT 8. DEFAAMATION OF CHARACTER

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/year> Amount : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Basically I made payments on my card to lower the balance of my credit cards on capital one. At first my quicksilver and Savor card were paid off and I used them. I paid them off after I bought many things. Did not think twice about it and on XX/XX/XXXX my payments were reversed and returned. Then they decided to restrict my account. I sent them proof of who I am. I sent everything even though I did not want to send my social security due to privacy reasons. Nothing has been gotten back to me. My payments are going through and then returned several times. I wish to use my card again and for the amount to post or well basically if it's possible to have these cards at XXXX and just close them because I will not be paying a bunch of times for it to be returned even though I was just using the card to purchase something.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX different names as XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also they havein different collections agencies XXXX  that l don't owe request same exact money info the original documents printed l summit information l don't owe these companies has effect my credit scores l have l provide driver license XXXX XXXX XXXX XXXX. On the XXXX corps XXXX XXXX has ( XXXX XXXX XXXX XXXX ) isn't no name shown on the ordinal bill documents XXXX to other collections now to companies called 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 2024-05-04 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: PA

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

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 2024-05-04 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:
Hello cfpb This account was charged off on the following date XXXX, 2020. Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: LA

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: FL

Complaint narrative:
I am disputing the incorrect items listed on my credit report that are not follow the FCRA. This has been an ongoing issue that ive reported as identity theft an needs to be updated on my credit report. none of the information listed has been validated or correct on all 3 credits profiles. please delete an remove all listed items in the files asap.

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 2024-05-04 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:
I was notified of a hard inquiry on my TransUnion credit report by a company called XXXX XXXXXXXX XXXX XXXXXX/XX/2024. I have never heard of this company and have not applied for credit of any type in the recent past. 

I was part of the XXXX XXXX XXXX XXXXXXXX breach and this appears to be a scam. When calling XXXXXXXX XXXX XXXXXX/XX/2024, at XXXXXXXX XXXX, the first piece of information requested by the XXXX was my social security number. Not account number, the first piece of information they attempt to collect is your social security number. I typed in all XXXX 's and then typed in all XXXX 's when asked for the last XXXX of my account number. 

My husband works in XXXX  and says this sounds like a fraud funnel. 

I will work with the credit reporting agencies to have this inquiry removed as it was unauthorized and I am thankful that I already have reporting that lets me know when these things happen.

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 2024-05-04 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: LA

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$420.00}

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 2024-05-04 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: LA

Complaint narrative:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: OH

Complaint narrative:
While reviewing my credit report recently, I noticed discrepancies in the reporting of an account. Surprisingly, one payment was marked as late on an account that I diligently paid on time. It's imperative that consumer reporting agencies maintain accurate records. I can affirm that this account has consistently been punctual with payments. Enclosed is a copy of my report with the date in question : XXXX XXXX XXXX XXXX XXXX XX/XX/year> - Inaccurate late payment Date I respectfully request your immediate investigation into this matter and urge for the prompt correction of these inaccuracies. This payment was paid on time and should be updated to reflect as such - paid on time/never late. Your attention to this issue is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: OH

Complaint narrative:
While reviewing my credit report recently, I noticed discrepancies in the reporting of an account. Surprisingly, one payment was marked as late on an account that I diligently paid on time. It's imperative that consumer reporting agencies maintain accurate records. I can affirm that this account has consistently been punctual with payments. Enclosed is a copy of my report with the date in question : XXXX XXXX XXXX  XXXX XXXX XX/XX/24 - Inaccurate late payment Date I respectfully request your immediate investigation into this matter and urge for the prompt correction of these inaccuracies. This payment was paid on time and should be updated to reflect as such - paid on time/never late. Your attention to this issue is greatly appreciated.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I do not know the company MIDLAND CREDIT MANAGEMEN nor does XXXX XXXX XXXX compete.

Company response to consumer: Closed with explanation