vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: AZ

Complaint narrative:
I hereby notify you that I am a victim of identity theft and wish to dispute certain items in my file stemming from this crime. The disputed items are not associated with any transactions for which I have provided authorization or obtained goods, services, or money. I request the removal of any reported items in my credit file attributed to alleged identity theft. These items are unfamiliar to me, and I question their accuracy, especially considering their deletion from other bureaus. Moreover, the reported payment history on these items is inexplicable to me. Per FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, the following items are subject to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX : {$1400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$18000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2024-03-18 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: AZ

Complaint narrative:
I hereby notify you that I am a victim of identity theft and wish to dispute certain items in my file stemming from this crime. The disputed items are not associated with any transactions for which I have provided authorization or obtained goods, services, or money. I request the removal of any reported items in my credit file attributed to alleged identity theft. These items are unfamiliar to me, and I question their accuracy, especially considering their deletion from other bureaus. Moreover, the reported payment history on these items is inexplicable to me. Per FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, the following items are subject to dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX : {$1400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$18000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX - XXXX Reference # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: CA

Complaint narrative:
I am formally requesting debt validation under 12 CFR 1006.34 ( b ) ( 5 ). Despite this request, Tek-Collect , Inc. has proceeded to place this collection on my credit report in the amount of XXXX XXXX without providing me with the opportunity to dispute the account as stipulated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Furthermore, I am requesting the purchase agreement between Tek-Collect , Inc. and the original creditor to verify the legitimacy of their claim. It is essential for me to review this agreement to understand the basis upon which Tek-Collect , Inc. is attempting to collect this debt. 
In addition to the purchase agreement, I am also requesting proof that Tek-Collect , Inc. is licensed and bonded. It is crucial to ensure that they are operating within the bounds of the law and possess the necessary credentials to engage in debt collection activities.

Moreover, I assert that Tek-Collect , Inc. is violating my consumer rights by utilizing false and misleading information in their collection efforts. The collection agency lacks authority to furnish any account to a consumer reporting agency without providing the necessary disclosures mandated by law. This action is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2 ( 7 ) ( A ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-03-18 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-03-18 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: FL

Complaint narrative:
Please DELETE the listed unauthorized Inquiries below. I already included them in my previous letters request to remove these inquiries, however until now they still reporting on my credit file. 

TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-18 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:
Please DELETE the listed unauthorized Inquiries below. I already included them in my previous letters request to remove these inquiries, however until now they still reporting on my credit file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.

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 2024-03-18 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: TX

Complaint narrative:
I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAWI HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT.

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 2024-03-18 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 SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAWI HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX, XXXX, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
It provided an amount of {$1200.00} was charged in my name and I have told them over and over again that it doesn't belong to me and they keep disputing me, I need them to prove it by showing me any hand written signatures

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: MI

Complaint narrative:
Dear TransUnion I would like to know how you verified this fraudulent account and I would like to see the original agreement between me and the original creditor. 

XXXX XXXX : Amount XXXX Account Number : 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 2024-03-18 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: FL

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18 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 writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
I filed complaint last time, about my Credit file items to remove. However, after reviewing my credit file, the accounts and inquiries I listed in my letter last time, still reported on my credit report. There is no investigations made for my file. 


TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18 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:
I filed complaint last time, about my Credit file items to remove. However, after reviewing my credit file, the accounts and inquiries I listed in my letter last time, still reported on my credit report. There is no investigations made for my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I took out a loan with Advance Financial in XX/XX/XXXX and put up my car title as collateral. I was going through a rough patch and got laid off from work and could not complete the payments. I ended up filing XXXX XXXX  bankruptcy to try to get back on track. The loan was included in the bankruptcy that I filed in XX/XX/XXXX. They took the car for the balance of the loan. I never heard anything else about the loan until now. I got sent papers to go to court suing me for {$5000.00} for the balance of the loan {$6700.00} with lawyer fees. I don't understand how they can come back on me after taking my car and claiming them on my bankruptcy. I also checked this has been over XXXX years ago. In the state of Tennessee this is beyond the statue of limitations for this kind of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have disputed this account, this company has yet to respond or follow from fcra laws. 
Santander Consumer Acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FC HoldCo LLC
State: IL

Complaint narrative:
In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.

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