vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: LA

Complaint narrative:
15 USC 1681s Unlawful Release of Consumer Report without consumer consent Dear CFPB, Transunion and XXXX have provided XXXX XXXX with my personal and private information without my knowledge or consent. 15 USC 1681 604a section 2 provides In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I have never given Transunion or XXXX consent to release my consumer report to XXXX XXXX. I have never applied, had, or held any accounts, loans, or association with XXXX XXXX. 
Furthermore, this information has been posted on my Transunion Consumer Report since 2019, in complete violation of FCRA which provides that inquiries posted on a consumer report for not more than two years. Transunion and XXXX did not have my consent to release my information to XXXX XXXX and they surely do not have my written consent. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. TransUnion is not maintaining reasonable procedures.

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 2024-03-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report and I'd like to dispute this incurrate information. ther credit bureaus like XXXX and XXXX has already corrected the inaccuracy of the account and I am wondering why are you still reflecting the late payment in your record? I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please update this account : 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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-03-28 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: LA

Complaint narrative:
Dear CFPB, Transunion and XXXX have provided XXXX XXXX with my personal and private information without my knowledge or consent. 15 USC 1681 604a section 2 provides In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I have never given Transunion or XXXX consent to release my consumer report to XXXX XXXX. I have never applied, had, or held any accounts, loans, or association with XXXX XXXX. 
Furthermore, this information has been posted on my Transunion Consumer Report since 2019, in complete violation of FCRA which provides that inquiries posted on a consumer report for not more than two years. Transunion and XXXX did not have my consent to release my information to XXXX XXXX and they surely do not have my written consent. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. TransUnion is not maintaining reasonable procedures.

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 2024-03-28 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditor, Pennymac Financial Services- Home Loans, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. As of XX/XX/2024 they have 15 late payments for my home mortgage reported against me, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
XXXX XXXX  placed hard inquiries on my credit report without my authorization.

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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-03-28 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: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX  and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We have large purchase payment plans setup with two credit cards we have with Chase. The stated interest rate is zero 0 % however on two of the payment plans, there are monthly fees assessed. We made larger principle payments on both cards with the intention of paying off those plans that had monthly fees assessed whereas leave the other zero percent plans that do not have monthly fees assessed with their balances. When we made the payments, Chase did not apply the payoffs to those plans with a fee as we intended so I called them to adjust those payments accordingly. They told me that it only applies the excess payments to the higher interest rate ( all of them are at zero % ) and then after that, it pays them down in chronological order. I complained that the ones with the fees applied is what we wanted to payoff and they said they could not adjust the payment to pay those off first. They said it was disclosed that way but I said that when any fees are applied, then that affects my effective rate and that those should be applied first if all were zero % and not in chronological order. To me this is adhering to their disclosure but their payment system is not compliant to Truth in Lending Act regulations. The Truth in Lending Act ( TILA ) requires creditors to allocate payments in a way that is most beneficial to the consumer. Since the zero-rate balances with fees have additional charges attached to them, those fees should be treated as finance charges. Under TILA, it would be appropriate to prioritize paying off these balances first to minimize the overall finance charges and interest accrued by the consumer. The fact that Chase says they payoff balances in chronological order and do not factor in balances that generate fees first is a violation of TILA. Please dont just close this complaint just on the fact that Chase replied back to me. Please research this to determine if this is in fact a violation of TILA!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this 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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are fraudulent inquiries on my credit report that need addressing. Kindly assist me in disputing and removing them.

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 2024-03-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Theres some unauthorized hard inquiries on my credit report that I dont recognize.The credit bureau violated my right and shared my credit information with those businesses. I contact the credit bureau to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2024-03-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.

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 2024-03-28 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: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2024-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
This is not a debt the company was paid I have proof the company has chosen not to respond instead the company has placed harassing phone calls to my cell phone number the phone number used to call my cell phone shoed no caller Id no company name and messages were not left et this unknown number continually called my cell phone number when I did answer the unknown number the female did not give her name of the company name she started the call saying this call may be monitored and or recorded then asked for me by name never providing her ID or the company ID additionally XX/XX/2024 I received an email from this company and the email was not given to this collection agency by me and has not been confirmed that it is in fact my email before it was sent by this collection agencyis deception and in FDCPA violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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:
Never had a credit card with XXXX XXXX XXXX, I have summitted a police report that my identity was stolen provided information to the credit bureaus. There has been a fraud alert placed on my account due to that matter. According to the 15 U.S.C 1681 law there should not be any damages on my account. That is defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a victim of fraud. 

My credit card was charged {$47.00} on XX/XX/2023 by XXXX XXXX. 

I did not authorized this fraudulent charge on my card. 

It is a fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute to XXXX XXXX Transunion XX/XX/2024 requesting XXXX XXXX XXXX XXXX account be removed from my credit report immediately due to the businesses violation of Texas state and federal regulations. Instead of XXXX XXXX Transunion doing as I asked. They just updated the accounts and dismissed the letter that I sent with the dispute as if the violations meant nothing. Please see the attached letter that I sent to XXXX XXXX Transunion.

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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-03-28 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: NV

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered an account that is not mine and is the result of identity theft. This fraudulent account has already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. 
I have contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite submitting the required FTC report, the account continues to appear on my credit report with your bureau. Have this account removed from your record ASAP : XXXX XXXX XXXXXXXX

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