vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: MI

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 2024-02-20 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: OR

Complaint narrative:
I am writing to you concerning the reporting practices of your agency as they pertain to my credit file, and in particular, the apparent violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) regarding consumer reports.

As you are likely aware, 1681a ( d ) ( 2 ) ( A ) stipulates that the term " consumer report '' does not encompass reports containing information solely regarding transactions or experiences between the consumer and the reporting entity. Despite this clear provision of the law, I have observed instances where your agency has included information in my credit report that constitutes as experiences, such as late payments and utilization rates. 

These violations not only misrepresent my creditworthiness but also directly contravene the provisions set forth by the aforementioned statute. Therefore, in accordance with my rights under the Fair Credit Reporting Act, I am formally demanding the following actions to rectify this matter : Update all late payments on my credit report to reflect " paid as agreed. '' Remove all instances of charge-offs from my credit report. 
Reduce any utilization rates reported to XXXX. 
Failure to comply with these demands within XXXX will leave me with no choice but to pursue litigation for each violation. Please be advised that under the Fair Credit Reporting Act, I am entitled to damages of {$1000.00} per violation, which includes {$1000.00} for each late payment reported and {$1000.00} for each charge-off reported. 

I trust that you will take this matter seriously and act promptly to rectify the violations in 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 2024-02-20 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: OR

Complaint narrative:
I am writing to you concerning the reporting practices of your agency as they pertain to my credit file, and in particular, the apparent violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) regarding consumer reports.

As you are likely aware, 1681a ( d ) ( 2 ) ( A ) stipulates that the term " consumer report '' does not encompass reports containing information solely regarding transactions or experiences between the consumer and the reporting entity. Despite this clear provision of the law, I have observed instances where your agency has included information in my credit report that constitutes as experiences, such as late payments and utilization rates.

These violations not only misrepresent my creditworthiness but also directly contravene the provisions set forth by the aforementioned statute. Therefore, in accordance with my rights under the Fair Credit Reporting Act, I am formally demanding the following actions to rectify this matter : Update all late payments on my credit report to reflect " paid as agreed. '' Remove all instances of charge-offs from my credit report. 
Reduce any utilization rates reported to XXXX. 
Failure to comply with these demands within XXXX  will leave me with no choice but to pursue litigation for each violation. Please be advised that under the Fair Credit Reporting Act, I am entitled to damages of {$1000.00} per violation, which includes {$1000.00} for each late payment reported and {$1000.00} for each charge-off reported. 

I trust that you will take this matter seriously and act promptly to rectify the violations in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I used Capital Ones freeze your price feature to lock in the price of four flights for XXXX  hours. I used XXXX points to freeze the price, the equivalent of {$36.00}. Less than XXXX hours later, I tried to book the flights at the price I locked in, and the system said sorry, but your flights have increased by {$260.00} and would not let me book the flights that I paid to freeze/hold the price. 

I called Capital One and requested a refund of the points I used and they said it was non-refundable and refused to refund the points that I used to freeze the flight prices. This is the equivalent of Capital One stealing points from me and refusing to make me whole when their freeze your price feature did not work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
On XXXX XXXX i had a {$450.00} XXXX charge on my account that i did not authorize. At first i thought my card information had been stolen cause i had checked my XXXX account and there was no purchase. I did not realize until later that they had archived the order so i wouldn't see it when i looked at the orders page on my account and cause the account was through a seperate email that i rarely use and didn't think to check it. I sent a dispute to them stating that the charge wasn't me and they denied the dispute stating that there was No indication of account takeover hallmarks nor personal identifiable information changes XXXX month prior to the disputed transaction. Which is incorrect because i had bought an item off this account no more then a month prior at a completely different address then the one the Unauthorized charge provided multiple hours seperate from each other. The address also on the charge was not the address that is in my account information for my bank. They also stated that there was no card reorder which is in accurate because i had turned off my card and had a new one sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I made a loan from XXXX XXXX XXXX XXXX XXXX  on XX/XX/2021. I paid this loan in full and several months later received a bill charging more funds on this loan. I have the loan document stamped PAID IN FULL. I do not owe additional monies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 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: OR

Complaint narrative:
I am writing to you concerning the reporting practices of your agency as they pertain to my credit file, and in particular, the apparent violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) regarding consumer reports.

As you are likely aware, 1681a ( d ) ( 2 ) ( A ) stipulates that the term " consumer report '' does not encompass reports containing information solely regarding transactions or experiences between the consumer and the reporting entity. Despite this clear provision of the law, I have observed instances where your agency has included information in my credit report that constitutes as experiences, such as late payments and utilization rates.

These violations not only misrepresent my creditworthiness but also directly contravene the provisions set forth by the aforementioned statute. Therefore, in accordance with my rights under the Fair Credit Reporting Act, I am formally demanding the following actions to rectify this matter : Update all late payments on my credit report to reflect " paid as agreed. '' Remove all instances of charge-offs from my credit report. 
Reduce any utilization rates reported to XXXX. 
Failure to comply with these demands within XXXX will leave me with no choice but to pursue litigation for each violation. Please be advised that under the Fair Credit Reporting Act, I am entitled to damages of {$1000.00} per violation, which includes {$1000.00} for each late payment reported and {$1000.00} for each charge-off reported. 

I trust that you will take this matter seriously and act promptly to rectify the violations in 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 2024-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Innovative Recovery has continued to contact me for days via text, email and calls. However, they failed to provide me with a Debt Validation Letter within the timeframe theyre legally required to. They also provided me with no right to dispute the debt or any details about the debt. I believe theyre in violation of the fair debt collection practices act.

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 2024-02-20 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: MI

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-20 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: VA

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a cobnsumer.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: LA

Complaint narrative:
Self is a credit builder company and I was never late they have continuously put late payments on my credit report effect my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed a collection on my credit report. After researching I determined that this was an account from XXXX that should not be on my credit. There is now an attorneys office that is calling requesting payment and threatening lawsuits. The dates shown on my report are from XXXX and again this account was closed in XXXX. I contacted creditor to ask why I did not receive a XXXX when charge off was done and asked for them to mail me the account information. This was done back in XXXX of XXXX. Then - after 4 months XXXX XXXX and XXXX appeared on my credit report with this account but showing it was opened in XXXX of XXXX. This account can not be shown as a new account per the Fair Credit Reporting Act. Please remove this from my credit 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I noticed a collection on my credit report. After researching I determined that this was an account from XXXX that should not be on my credit. There is now an attorneys office that is calling requesting payment and threatening lawsuits. The dates shown on my report are from XXXX and again this account was closed in XXXX. I contacted creditor to ask why I did not receive a XXXX when charge off was done and asked for them to mail me the account information. This was done back in XXXX of XXXX. Then - after 4 months XXXX XXXX and XXXX appeared on my credit report with this account but showing it was opened in XXXX of XXXX. This account can not be shown as a new account per the Fair Credit Reporting Act. Please remove this from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
I noticed a collection on my credit report. After researching I determined that this was an account from XXXX that should not be on my credit. There is now an attorneys office that is calling requesting payment and threatening lawsuits. The dates shown on my report are from XXXX and again this account was closed in XXXX. I contacted creditor to ask why I did not receive a XXXX when charge off was done and asked for them to mail me the account information. This was done back in XXXX of XXXX. Then - after 4 months XXXX XXXX and XXXX appeared on my credit report with this account but showing it was opened in XXXX of XXXX. This account can not be shown as a new account per the Fair Credit Reporting Act. Please remove this from my credit immediately.

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 2024-02-20 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This account has been disputed pursuant to IRS Publication 535, Charge off accounts are considered income and income can not be reported to any credit agencies.

Internal Revenue Code PUB 535 : CHARGE-OFFS or Certificate of Indebtedness, is considered INCOME and is not to be reported to CREDIT BUREAUS.

I also did not contract with this third party affiliate neither, have I consented to or authorized this third party affiliate to have access to my non public private transactional information and to share it with other third party affiliates. Nor to report inaccurately where not permitted by law. As stated here in my dispute.

Pursuant to 15 USC 1681b : Reporting agency must have written consent and permissible purposes from consumer No permissible purposes or consent has been obliged by me to any of the reporting company therefore constitutes unlawful and inaccurate reporting on the behalf of Portfolio Recovery Services and each bureau to whom my information was distributed without my consent.

According to 15 U.S. Code 6802- Obligations with respect to disclosures of nonpublic personal information, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with 15 U.S. Code 6803.

In general, a financial institution may not disclose personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form, or other form permitted by 15 U.S. Code 6804, the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

According to 16 CFR 313.4 Initial Privacy notice to consumer required- Financial institutions must provide a clear and conspicuous notice that accurately reflects privacy policies and practices to a consumer before you disclose any nonpublic personal information about the consumer to any non affiliated third party.

16 CFR 313.7-Form of opt out notice to consumers ; opt out methods-Financial institutions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose nonpublic personal information about the consumer to a non affiliated third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right.

Therefore, this is inaccurate reporting and a violation of FCRA and FDCPA RIGHTS. It needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I've had a checking account since 1982. Used irregularly, only to fund girls accounts. 
It is a " Regular Checking ''. They BoA, changed my account without my knowledge to an " Advantage Checking '' where it is charged if it falls below XXXX. It fell below in XXXX. Just noticed it. They are refusing to refund all the fees. There is no paperwork signed that said I would convert my 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 monetary relief
Consumer complaint received 2024-02-20 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: SC

Complaint narrative:
Someone tried to get a account with XXXX XXXX not me I've asked several times to make sure Information is before trying to approve & they still allowed .Now my score has drop XXXX points .I have no knowledge of this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: MS

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 XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX 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