vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: GA

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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 2024-09-14 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:
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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
2 months ago Capital changed the way it applies payments and how their app works. I pay my balance in full every month using the app which has an option to pay the statement balance in full on the due date. I select that and starting 2 months ago they started charging interest on my XXXX accounts with them when I have been a customer for years and never had issues. The first month they waived the charges and I had paid more than the full statement balance. I have attached my XXXX statements and have also included a screen shot of their payment options that doesn't pay the statement balance in full. They also miscalculated my interest as I paid XXXX balance in full in XXXX and XXXX was the cancellation and they didn't honor the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 crime
s 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 2024-09-14 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:
Pursuant to FCRA 1605b, this company is required by Federal law to block within four days, all accounts listed in an FTC Identity theft affidavit, to which Ive also had notarized. This company was mailed in proof of my identity along with the other required documentation for them to proceed with my request. They have failed to adhere to the law concerning this matter as it still reflects on my alleged consumer credit report file.

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 2024-09-14 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: MI

Complaint narrative:
Pursuant to FCRA 1605b, this company is required by Federal law to block within four days, all accounts listed in an FTC Identity theft affidavit, to which Ive also had notarized. This company was mailed in proof of my identity along with the other required documentation for them to proceed with my request. They have failed to adhere to the law concerning this matter as it still reflects on my alleged consumer credit report file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I received a notice from XXXX of a significant change to my credit score. XXXX XXXX had reported that I was delinquent for {$29.00} dollars for two months. I was unaware of the charge. I logged into their online portal to find that {$5.00} had been charged on XX/XX/year> to this credit card. There were late fees and charges which totaled {$29.00}. I made a payment immediately and called the creditor. I informed the creditor that I was unaware of the charges. I explained that the report that they sent to XXXX significantly impacted my credit score. They responded that there is nothing they can do. I informed the creditor that I would be filing a dispute with the credit bureau. After submitting a dispute the creditor - XXXXXXXX XXXX has out of spite lowered my spending limit. My spending limit was {$2500.00} and was lowered to {$750.00}. The creditor has not given me any adverse action notice. I was unware of the charge and now I am being railroaded. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 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 am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: PA

Complaint narrative:
When I first purchase my time share back on XX/XX/XXXX I asked if this Time Share was apart of credit. I was told No. I was explained that because I choose the package base on what I could afford for my monthly payment that this had nothing to do with my credit. I was told that as long as I made my payments my balance would decrease. I continued to make my payments up to XX/XX/XXXX until I realized that all the money I had paid never decreased my balance. I Met with a representative on XXXX and explained to them that I was not interested in the time share based on there misrepresentation on there behalf. I was asked to sign a Document which I declined I was then shown documents that showed a very high interest and was told that's why my balance never decreased. I was told that they would help me but all they did was pull my credit with out my consent offering me a different property. since then I stop making payments because from XXXX to XXXX My time shared should have been paid off. I am a victim of fraud I was told lies to purchase the time share and once I made them aware of their fraudulent acts they started to report negative on my credit report. I receive six calls a in total on both of my phone numbers from this company. I stopped answering their calls because I was threaten that if I didn't pay that this would only effect my credit. I asked for ways to close this account because of their false representation. All they offered was higher packages in different locations. This has a been a nightmare and has had a horrible impact on my credit. They Lied to me to get me to purchase this Time share I didn't figure out the truth to years later when i knew it should have been paid off and that they had pulled my credit to get me approved for the package that i choose. Every time I stay at the time share I was told that I owned i had to pay {$500.00} to {$1000.00} to stay there. So I paid a Mortgage and I paid to rent when i stayed this is 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 non-monetary relief
Consumer complaint received 2024-09-14 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: PA

Complaint narrative:
When I first purchase my time share back on XX/XX/XXXX I asked if this Time Share was apart of credit. I was told No. I was explained that because I choose the package base on what I could afford for my monthly payment that this had nothing to do with my credit. I was told that as long as I made my payments my balance would decrease. I continued to make my payments up to XX/XX/XXXX until I realized that all the money I had paid never decreased my balance. I Met with a representative on XXXX and explained to them that I was not interested in the time share based on there misrepresentation on there behalf. I was asked to sign a Document which I declined I was then shown documents that showed a very high interest and was told that's why my balance never decreased. I was told that they would help me but all they did was pull my credit with out my consent offering me a different property. since then I stop making payments because from XXXX to XXXX My time shared should have been paid off. I am a victim of fraud I was told lies to purchase the time share and once I made them aware of their fraudulent acts they started to report negative on my credit report. I receive six calls a in total on both of my phone numbers from this company. I stopped answering their calls because I was threaten that if I didn't pay that this would only effect my credit. I asked for ways to close this account because of their false representation. All they offered was higher packages in different locations. This has a been a nightmare and has had a horrible impact on my credit. They Lied to me to get me to purchase this Time share I didn't figure out the truth to years later when i knew it should have been paid off and that they had pulled my credit to get me approved for the package that i choose. Every time I stay at the time share I was told that I owned i had to pay {$500.00} to {$1000.00} to stay there. So I paid a Mortgage and I paid to rent when i stayed this is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: PA

Complaint narrative:
When I first purchase my time share back on XX/XX/XXXX I asked if this Time Share was apart of credit. I was told No. I was explained that because I choose the package base on what I could afford for my monthly payment that this had nothing to do with my credit. I was told that as long as I made my payments my balance would decrease. I continued to make my payments up to XX/XX/XXXX until I realized that all the money I had paid never decreased my balance. I Met with a representative on XXXX and explained to them that I was not interested in the time share based on there misrepresentation on there behalf. I was asked to sign a Document which I declined I was then shown documents that showed a very high interest and was told that's why my balance never decreased. I was told that they would help me but all they did was pull my credit with out my consent offering me a different property. since then I stop making payments because from XXXX to XXXX My time shared should have been paid off. I am a victim of fraud I was told lies to purchase the time share and once I made them aware of their fraudulent acts they started to report negative on my credit report. I receive six calls a in total on both of my phone numbers from this company. I stopped answering their calls because I was threaten that if I didn't pay that this would only effect my credit. I asked for ways to close this account because of their false representation. All they offered was higher packages in different locations. This has a been a nightmare and has had a horrible impact on my credit. They Lied to me to get me to purchase this Time share I didn't figure out the truth to years later when i knew it should have been paid off and that they had pulled my credit to get me approved for the package that i choose. Every time I stay at the time share I was told that I owned i had to pay {$500.00} to {$1000.00} to stay there. So I paid a Mortgage and I paid to rent when i stayed this is 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 2024-09-14 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: MI

Complaint narrative:
There was Fraudulent charges on my XXXX XXXX XXXX XXXXXXXX From XX/XX/year> to XX/XX/year> Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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 2024-09-14 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: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-09-14 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:
TransUnion, Report No. XXXX, Date Issued ; XX/XX/XXXX. XXXX XXXX XXXX Account no. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX, transUnion failed to validate this account under the FCRA and 15 USC 1666b Federal Guidelines of maintaining accuracy information being reported for collection/ charged off account. I have sent several correspondence disputing this account. This account was sold, and or transferred to a collection agency who refuse to provide documentation to validate that I have an agreement with the collection agency and a payment history. I have yet to receive therefore I am requesting this account to be removed from my credit report as it is continuing to report and accurate information with a Last Update ; XX/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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
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 2024-09-14 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: MarineMax East, Inc.
State: IN

Complaint narrative:
i inquired about a loan with one company for a pre-approval with no impact to my credit, only a soft pull is what I was told then got an alert XXXX  days later that there were XXXX new inquiries on my credit I gave none of these companies any written or verbal consent to run my credit.

Company response to consumer: Closed with explanation