vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: CA

Complaint narrative:
I would like to dispute the fraudulent information on my the credit report. This information is damaging my creditworthiness and giving me stress. I reached out to my local police department about this and they said I should file a complaint to Federal Trade Commission or FTC. I know this will help me to remove the fraudulent information from my records and will justify my claim as an identity theft victim. 

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 2024-03-29 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: NJ

Complaint narrative:
I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account please be deleted.

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 2024-03-29 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: NJ

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and amendment because they were reported incorrectly in my file. 
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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The individual alleges that Capital One violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and Capital One failed to disclose their right to rescission. 

Failure to Obtain Consent : Capital One allegedly reported information without the written consent of the consumer, as required by FCRA Section 604. 

Misrepresentation of Credit Payments : They argue that Capital One misrepresented credit payments, potentially committing security fraud. 

Willful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. 

Legal Action Threat : They threaten legal action if Capital One fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. 

The individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. 

Moreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan.

15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MN

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-29 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: LA

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of stress and 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 2024-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was enrolled in Care Credit ( Synchrony Bank ) by a dental office manager and was informed that there would be no interest of paid in full within 12 months. I was not informed that the account was a deferred interest account with an APR of 26.99 %. Due to the omissions, I assumed it worked like other credit cards where you begin accruing interest after the promotional period is over. I was quite surprised when I was hit with over {$700.00} in retroactive interest as it had been accruing all along. To make matters worse, they lowered my credit limit at about the same time and the card is still over limit to this day. This is reprehensible. This card is used for large medical and dental payments. It is meant to help those who have health concerns, not to throw them {$700.00} further into debt and damage their credit score.

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 2024-03-29 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2024-03-29 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: TX

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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:
I have received a copy on my consumer reports and I notice EXPERIAN, XXXX, XXXX XXXX  AND XXXX have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general, The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or none of its factors, are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( XXXX XXXX ) and the Person ( XXXX XXXX  ) is a violation of 15 USC 1681a, the definition of the consumer report does not include FICO or XXXX, which makes their factors or algorithm is not a factor where the consumer report is concerned. 
You have furnished transaction information on the following accounts ( XXXX XX/XX/2023 ) ( XXXX XXXX  ) has charged fraudulent late fees and, in addition, inserted late payments on my consumer report, all payments were made on time, and all payments were exact and all payments were made on their respective due date. My account with XXXX XXXX  was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful ; it has caused severe harm to my reputation, my character, my mode of living and to my family! I need the following : late payments Deleted : ( # 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I purchased a home using XXXX XXXX XXXX XXXX, short time after I was put on various military orders, I turned in copies of the orders for SCRA protection, the government shut down and I was not paid in a timely manner, so I requested Hardship assistance. I turned in the documentation and they would send me a letter saying it would take 30 days to make a determination, at day 28 they would say that my documentation I provided was not current and I would have to turn the documentation in again with up-to-date documents. I did this 4 times, during that time I was not serving in the state in which I reside and purchased my home. I submitted a copy of my marriage certificate, a copy of the Power of Attorney for my then husband to make payments on my behalf. They refused to allow him to make payments on my behalf. This made the payments further behind as I was 12-hour difference in time. When I returned state-side I tried to make numerous payments, but they said that it had entered pre-foreclosure and that I would have to pay the amount in full and they would not accept partial payments. I sent the payments certified by my bank. They would then mail me a check back for each and every payment I made. I did a short sale on this property for XXXX when the balance that was owed was XXXX. The mortgage was sold to Freedom Mortage Group during this time, and they charged property preservation fees, property inspection fees, Corporate Advance fees totaling, XXXX per diem interest all of which totaled a little over XXXX. When they put the property into foreclosure is when I found out that there was a medical debt lien on the property and included XXXX XXXX XXXX on the foreclosure paperwork. When I closed on the property, I was given a check for XXXX dollars as well as a 1099-C saying that some of the debt was forgiven, but I believe that this company not only violated my SCRA rights, but illegally started foreclosure, added illegal erroneous fees to make a profit, and used a debt collection attorney and lied to the court in which they filed the documentation. They stated they used the courts system to check if I was military, but yet both XXXX XXXX and Freedom Mortage, were well aware of my active status by me informing them with my orders to XXXX XXXX status.

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 2024-03-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These hard inquiries are fraudulent and doesn't belong to me and need to be removed .also, the nest as well .Thanks. 
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 2024-03-29 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: PA

Complaint narrative:
FCRA 605B stipulates the removal of any incorrect accounts from my credit report. Can you verify the documents, as some of the listed accounts are inaccurately reported?

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im begging you plese remove this to the 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 2024-03-29 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: KY

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: CA

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft. This letter serves as a formal dispute regarding these accounts. I have directly contacted all the companies involved and have followed the necessary steps advised to resolve this issue. I have also filed an identity theft report with the FTC and have initiated the dispute process with the companies. Your assistance in resolving this matter would be greatly appreciated. 


I request that you investigate the following fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. 
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 2024-03-29 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: CA

Complaint narrative:
I would like to dispute the fraudulent information on my the credit report. This information is damaging my creditworthiness and giving me stress. I reached out to my local police department about this and they said I should file a complaint to Federal Trade Commission or FTC. I know this will help me to remove the fraudulent information from my records and will justify my claim as an identity theft victim. 

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