vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: MA

Complaint narrative:
Dear XXXX XXXXCO INC ; Experian/transunion/equifax ; I am writing to formally dispute a hard credit inquiry reported on my credit report by XXXX XXXX XXXX, dated XX/XX/year>. I did not authorize this inquiry nor provide consent for access to my credit report, and as such, I request its immediate removal. 

Inquiry Details : Reported By : XXXX XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Account Type : Mortgage Reporters Inquiry Date : XX/XX/year> This hard inquiry is a direct violation of my consumer rights under the following laws : XXXX U.S. Code 1681b ( Fair Credit Reporting Act - FCRA ) : This section stipulates that a credit report may only be accessed under certain permissible purposes, which include applications for credit, insurance, or employment, and only with the consumers consent. Since I did not authorize this inquiry or provide consent, it breaches the FCRAs regulations.

15 U.S. Code 1681c ( FCRA - Inaccurate or Unverifiable Information ) : Under this provision, credit reporting agencies are required to ensure that the information in the credit report is accurate and verifiable. An unauthorized inquiry fails to meet these requirements and thus should be removed.

15 U.S. Code 1681n ( FCRA - Civil Liability ) : This section provides for civil liability for willful noncompliance with the FCRA, including unauthorized access to a consumers credit report. The presence of an unauthorized inquiry on my credit report is a clear violation, and removal is warranted.

15 U.S. Code 1602 ( p ) ( Truth in Lending Act - TILA ) : This section outlines the requirement for obtaining express consent from the consumer before a credit report can be accessed. The lack of authorization for this inquiry contravenes these stipulations. 

Given the unauthorized nature of this inquiry, I request the immediate deletion of this hard inquiry from my credit report. Please provide written confirmation once this has been resolved. 

Thank you for your prompt 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 2024-08-19 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: MA

Complaint narrative:
Dear XXXX XXXX XXXX ; XXXX/XXXX/equifax ; I am writing to formally dispute a hard credit inquiry reported on my credit report by XXXX XXXX XXXX, dated XX/XX/2024. I did not authorize this inquiry nor provide consent for access to my credit report, and as such, I request its immediate removal. 

Inquiry Details : Reported By : XXXX XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Account Type : Mortgage Reporters Inquiry Date : XX/XX/2024 This hard inquiry is a direct violation of my consumer rights under the following laws : 15 U.S. Code 1681b ( Fair Credit Reporting Act - FCRA ) : This section stipulates that a credit report may only be accessed under certain permissible purposes, which include applications for credit, insurance, or employment, and only with the consumers consent. Since I did not authorize this inquiry or provide consent, it breaches the FCRAs regulations.

15 U.S. Code 1681c ( FCRA - Inaccurate or Unverifiable Information ) : Under this provision, credit reporting agencies are required to ensure that the information in the credit report is accurate and verifiable. An unauthorized inquiry fails to meet these requirements and thus should be removed.

15 U.S. Code 1681n ( FCRA - Civil Liability ) : This section provides for civil liability for willful noncompliance with the FCRA, including unauthorized access to a consumers credit report. The presence of an unauthorized inquiry on my credit report is a clear violation, and removal is warranted.

15 U.S. Code 1602 ( p ) ( Truth in Lending Act - TILA ) : This section outlines the requirement for obtaining express consent from the consumer before a credit report can be accessed. The lack of authorization for this inquiry contravenes these stipulations. 

Given the unauthorized nature of this inquiry, I request the immediate deletion of this hard inquiry from my credit report. Please provide written confirmation once this has been resolved. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: MA

Complaint narrative:
Dear XXXX XXXX XXXX ; Experian/XXXX/XXXX  ; I am writing to formally dispute a hard credit inquiry reported on my credit report by XXXX XXXX XXXX, dated XX/XX/year>. I did not authorize this inquiry nor provide consent for access to my credit report, and as such, I request its immediate removal. 

Inquiry Details : Reported By : XXXX XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Account Type : Mortgage Reporters Inquiry Date : XX/XX/year> This hard inquiry is a direct violation of my consumer rights under the following laws : 15 U.S. Code 1681b ( Fair Credit Reporting Act - FCRA ) : This section stipulates that a credit report may only be accessed under certain permissible purposes, which include applications for credit, insurance, or employment, and only with the consumers consent. Since I did not authorize this inquiry or provide consent, it breaches the FCRAs regulations.

15 U.S. Code 1681c ( FCRA - Inaccurate or Unverifiable Information ) : Under this provision, credit reporting agencies are required to ensure that the information in the credit report is accurate and verifiable. An unauthorized inquiry fails to meet these requirements and thus should be removed.

15 U.S. Code 1681n ( FCRA - Civil Liability ) : This section provides for civil liability for willful noncompliance with the FCRA, including unauthorized access to a consumers credit report. The presence of an unauthorized inquiry on my credit report is a clear violation, and removal is warranted.

15 U.S. Code 1602 ( p ) ( Truth in Lending Act - TILA ) : This section outlines the requirement for obtaining express consent from the consumer before a credit report can be accessed. The lack of authorization for this inquiry contravenes these stipulations. 

Given the unauthorized nature of this inquiry, I request the immediate deletion of this hard inquiry from my credit report. Please provide written confirmation once this has been resolved. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
From XX/XX/XXXX through XX/XX/year>, on three separate attempts, I used Trans Union web site for credit freeze and free cred report. I inserted all data as required. I also used the very same data to complete credit report freeze at XXXX and XXXX was successful and those reports were frozen. However, for both the credit report freeze and the free credit report, Trans Union at the end of all of my data inputs, and with verification of the phone number codes that I was assigned, states " unable to verify identification. '' I tried repeatedly to use Tans Union phone numbers, and always was denied access, or the phone line was cut off. It is interesting that for my free credit report, Trans Union in the middle of the process shows a box with my name, address, and other data, as correct, but then at the end of the process of additional questions, which I entered correctly again, states again, " unable to verify identification '' and so refuses to freeze my credit repot, or to send out a free credit report, when I know that by their own data as shown to me, I fully exist in their data base. Again, Trans Union will not allow any phone access to be completed. As I please repeat, I have no issues with a credit freeze at XXXX and XXXX by doing a credit freeze on XX/XX/XXXX and XX/XX/XXXX, so I know my data is correct as inputted to Trans Union. Thank You.

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 2024-08-19 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: NY

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-19 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: PA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
Hi, This is in regards to an envelope I've received today. Any similarities to other cases I've filed is because it's another example of the same misdeed. 

According to the Fair Debt Collection Practices Act ( FDCPA ), envelopes used by debt collectors to send letters to consumers can only include the collector 's business address and no other symbols or language. For example, in 2021, the Third Circuit ruled that including a barcode on a clear window envelope that could reveal the consumer 's internal reference number violated the FDCPA I'm not just making that up. Take a look here : XXXX XXXX XXXX The firm Mullooly Jeffrey Rooney & Flynn LLP ( MJRF ) routinely violates this portion of the FDCPA. I have mentioned this before, and they insist ( contrary to the FDCPA ) that they can violate the law. 

As this is another violation, I am putting another complaint in. 

I would ask the CFPB to consider an enforcement action against this firm. Every time they do something wrong they claim I should not file another complaint for the same issue, even though it's another violation. 

This is a specious argument. I would like to see XXXX XXXX try that argument with a cop. " Sorry officer, I was speeding and ticketed yesterday so I can speed all I want today )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: IL

Complaint narrative:
My account with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I received my investigation results report # XXXX to my Identity Theft CFPB complaint # XXXX which TransUnion credit reporting agency refused to honor my request to block information appearing on my credit report maintained by TransUnion credit reporting agency. As a result of identity theft and fraud pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I demand that TransUnion credit reporting agency provide me with an investigation summary of the source of information they relied on to refuse my block request or remove all contested items from the original block request.

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 2024-08-19 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: Concord Servicing Corporation
State: TX

Complaint narrative:
Fair Credit Reporting Act 15 UC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise three grave responsibilities with fairness, impartiality., and a respectful the consumer 's right to privacy ''. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. According to 15 USC 6801 states I have the right to make sure my private information isn't shared. " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they most definitely do not have my written consent. This account is an adverse item they are reporting again without my permission against the law. 15 U.S Code 1681s- 2 ( A ) ( 1 ) A state " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed o avoid violation of section 1681c of this title and to limit the furnishing of consumer report the purposed listed under section 1681b. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states " Consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''. 

What would be a fair resolution to this solution?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbally and non-verbally per 15 USC6802-6805 effective immediately and indefinitely.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbally and non-verbally per 15 USC6802-6805 effective immediately and indefinitely. According to the Privacy act of 1974 and the companys own privacy policy my personal account information was not to given to a non-affiliate third party per https : //www.capitalonecenter.com/privacy-policy " Our site does not collect personal information about your visit to the Capital One Center website unless you choose to provide that information. We do not sell, exchange or release your personal information to parties outside Capital One Center, including, without limitation, Capital One Financial Corporation and its affiliates and subsidiaries '' However my reported to all 3 credit reporting agencies XXXX, XXXX, and XXXX Status Account charged off. {$12000.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
. Also per 16CFR313.7 ( the below applies to Capital One ) which they did not follow. Capital One also reported Form of opt out notice to consumers ; opt out methods.

( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
Kindly update my account this causing me a lot of stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested a credit report from TransUnion be mailed to my home for the past XXXX month and have not received it. I have called them, used the chat service, I tried requesting it the website, and I have even tried annual credit report. com. I have been told it is unavailable on all platforms. This a major issue because they are not allowing me to see the information, they are sharing about me to everybody else. IT IS ALSO AGAINST THE LAW!!!!!!!! They have restricted my TransUnion account because i have been disputing the numerous Amount of inaccuracies. And now i can't even get through on the phone.

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