vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: IL

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.

has violated my rights. Or a list of inquiries : 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 2024-01-03 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: NY

Complaint narrative:
I XXXX XXXX have a personal loan reporting to all three of my credit reports

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/2023, I received my last statement for {$200.00}. I wrote and mailed the check on XX/XX/2023. That paid off my account. It was not due until XX/XX/2023. I know it did not take 12 days for my check to arrive at Capital One. Capital One failed to post the payment on time. They did not post it until XX/XX/2023. They claimed they did not receive it on time. In XXXX, I received a late charge of {$25.00} and interest charge of {$4.00}, equaling {$29.00}, claiming my payment was late. I filed a complaint with Capital One. They sent a response telling me to call them. They gave me the run around. I explained my problem. They refused to listen to me, claiming I am liable for their error. I know I can not be responsible for a late charge when I mailed the payment the same day I received the statement. Since then, Capital One is saying I owe over {$52.00} in late and interest fees. This account is closed. The matter is for the account ending XXXX as I do have other accounts with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Received a statement on XX/XX/2023 for an account I did not open nor authorize. The account balance is {$5900.00} of the {$15000.00} credit line. After speaking to the customer service representative, it was confirmed I did not authorize or use this money. They placed a stop on the account. I have notified the police and reports were filed. FBI were being contacted to report this fraud.

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 2024-01-03 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: TX

Complaint narrative:
Ive sent multiple Dispute letters, validation letters, and spoken directly with representatives from CRAs s well as furnishers, and my documents and letters have been disregarded. Investigations have been completed and validated on companies that do not even accept phone calls. Accounts are continuing to be reported that are more than 10 years old, and legislature started in the FCRA has been grossly disregarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/2023, I went to XXXX XXXX XXXX in search of a vehicle. My wife and I looked and found one we liked. They took down our information and at this time, no talk of financials happened yet. We did not even state we fully wanted the vehicle yet, we were just interested in price. They came back and told us that we could secure the loan with Ally Auto, but in " good faith '' we were required to put down a {$3000.00} CASH down payment in order for the bank to lend us the money. 

We were also not informed that XXXX different line items of " added service protection '' would be added to the overall loan, nor did we get any paperwork on any of it, except GAP insurance, which they told us we had to do. This resulted in an extra {$6000.00} attached to our loan. 

Not to mention our signatures on the retail buyers order, do not match our normal signatures, in fact they are not even close to my wife and I 's normal signature. We have reason to believe they were forged, and therefore this contract is fully fraudulent. 

They used deceiving, high pressure sales tactics to secure this loan, withholding information from us, that would have resulted in us walking out.

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 2024-01-03 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: ProCollect, Inc.
State: CA

Complaint narrative:
Im trying to buy a house and notice I had damages on my credit report. Stopping me from giving my family there dream. According to the 15 usc 1681 law, there shouldnt be any damages on your report is a defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: NY

Complaint narrative:
I XXXX XXXX have a personal loan reporting to all three of my credit reports

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 2024-01-03 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:
In XXXX of XXXX the below listed account was removed from my credit file as an inaccurate entry. In XXXX of XXXX the account was reinserted into my credit file with a new late payment once again, erroneously. I requested that an investigation into the reinsertion of this account be conducted, and reasoning as to why a late payment on this account was reinserted to my credit file erroneously be produced to myself after the investigation. I received no response, and the account still remains on my credit file to date. This account has completed devastated my credit score and has cause me much embarrassment. I have attached letter that were sent to Transunion in order to remedy this situation, to which I have received no response. This is the only account reporting any delinquency in my credit file and this information does not match the other two reporting agencies as this account does not exist in my credit file. The account in question is listed below ; XXXX Account numberXXXX I have also requested that inquiries on my account be investigated, and if not provided information of accuracy be removed from my account and have also yet to receive any response from Transunion. The below entries on my credit file are the ones in question and I demand that they be removed if the credit agencies can not provide evidence of the accuracy and legitimacy of these inquiries. 

1. XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase Section 609 states that you need to provide the application that was filled out when this account was opened. The Inquiry was reported on XX/XX/XXXX 2. XXXXXXXX XXXX Delete this Inquiry for fraudulent reporting becuase If the creditor couldn't send me anything, then what are you using to verify this inquiry? The Inquiry was reported on XX/XX/XXXX I have also attached letters in which I have reached out to Transunion in order to remedy the issue but have yet to receive and viable response.

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 2024-01-03 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: WI

Complaint narrative:
On XX/XX/XXXX, somebody hacked into my account at Money Network and transferred {$3000.00} into their own personal account. I can still currently see their banking information on my bank app. I found out about this on XX/XX/XXXX, and immediately called the bank. They had me file a dispute. At that time, I assumed that the situation should be able to be resolved quickly due to the fact that I discovered it right away. I received a dispute form in the mail on XX/XX/XXXX, and filled it out and mailed it back immediately. On XX/XX/XXXX, I received a letter stating that the dispute was cancelled. They had not even received my dispute form at that time, so I don't know how they could cancel it. The letter stated that I had the right to request copies of documentation utilized to make their decision. I called back, and requested the documentation. I also opened a new dispute at that time. They never sent me any documentation, and immediately cancelled the new dispute. On XX/XX/XXXX, I filed a police report concerning the issue. I would have done it sooner, but I really thought it would be easily resolved. Eventually, I found a number for XXXX, which is the parent company of Money Network. I made a complaint with them around XXXX of XXXX, and opened another dispute with the bank. The bank then requested copies of the police report around XX/XX/XXXX. After about 6 months of waiting for resolution, they finally told me that they had cancelled this dispute as well. As with the other disputes, they refused to send me any documentation when I requested it. All they would tell me over the phone was that the person that was supposed to receive the money did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.

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 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Someone used my social security number to open and obtain a credit card or loan/line of credit on date XXXX I never gave anyone any concent to do that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called these companies to resolve the matter even disputed the claims, but was still left to face discriminatory actions do to misuse of information, I even opted out of my personal info being reported and still have face negligence.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called these companies to resolve the matter even disputed the claims, but was still left to face discriminatory actions do to misuse of information, I even opted out of my personal info being reported and still have face negligence.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, Transunion, XXXX Im having a problem with XXXX XXXX XXXX XXXX being reported open and closed on my credit report saying its in good standing then it saying its not. FCRA Act Law everything must be exact across all three credit Bureau im seeing inaccuracies on my credit report. This stopping me from obtaining things in life to better me and family need help fixing this problem.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, XXXX, Experian Im having a problem with XXXX XXXX XXXX XXXX being reported open and closed on my credit report saying its in good standing then it saying its not. FCRA Act Law everything must be exact across all three credit Bureau im seeing inaccuracies on my credit report. This stopping me from obtaining things in life to better me and family need help fixing this problem.

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 2024-01-03 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: GA

Complaint narrative:
XXXX XXXX XXXX with account # XXXX opened on XX/XX/2022 and a balance of {$44000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Pleaseprovide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: GA

Complaint narrative:
XXXX XXXX XXXX with account # XXXX opened on XX/XX/2022 and a balance of {$44000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Pleaseprovide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called these companies to resolve the matter even disputed the claims, but was still left to face discriminatory actions do to misuse of information, I even opted out of my personal info being reported and still have face negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: T.S. Holdings
State: GA

Complaint narrative:
They illegally purchased my information without my consent. It violated The Privacy Act of 1974. They have been sharing my information illegally to other party without my consent. 15 USC 1681B, I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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:
Dear CFPB, XXXX XXXXXXXX XXXX XXXX XXXX XXXX It is my understanding that under the Fair Credit Reporting Act, a credit reporting agency has XXXX days to investigate my disputes. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification I have sent letters to ( EQUIFAX ) regarding inaccurate information in my credit file. They have failed in investigate and verify my disputes and the inaccurate information remains in my credit file. Now I would like to file my CFPB complaint formally. Again, I am requesting a re-investigation and verify that all the data for this alleged account is 100 % accurately reporting correctly including every notation, dates, and balances, whether they are currently reported or not. The report presented by EQUIFAX presents several inscorrect information 1 THE DATE OPENED : Is incorrect 2 THE DATE CLOSED : Is incorrect 3 LAST PAYMENT : Is incorrect I 4 DATE OF LAST ACTIVITY : Is incorrect 5 THIS ACCOUNT IS VERY OLD AND HAS ALREADY BEEN DELETED BY THE OTHER BUREAUS, include credit report from XXXX XXXX  and EQUIFAX where the different can be seen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A charge-off or canceled debt, The IRS views it as a certificate of indebtedness, essentially categorizing it as income ( IRS PUBLICATION 4681 ). Income has never been allowed on any consumer report, and it violates the Fair Credit Reporting Act. Clearly, this is a violation. I insist on the immediate removal of these accounts! XXXX XXXXXXXX XXXX XXXX These promotional Inquiries 15 USC 1681 Permissible Purposes, { {$1000.00} } fine each occurrence. I do not consent and demand you to stop and remove these third parties ... that I did not authorized. 1. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX IF YOU DECIDE NOT TO PERFORM, I WILL BE FORCE TO TAKE LEGAL ACTION!

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 2024-01-03 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 filed a ftc report due to me finding a fraudulant account on my report and nobody has yet to help me get this removed.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I will send the letter regarding the question mentioned below to XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear sir, I have checked the credit report issued by your company on XX/XX/2023. I would like to ask why you mention unknown regarding the rating of XX/XX/2023 on the XXXX XXXX  XXXX account starting XXXX XXXX. 


Sincerely,

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 2024-01-03 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: VA

Complaint narrative:
Im begging you please 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 explanation