vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your understanding andpromptaction.

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 2024-10-14 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your understanding andpromptaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

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 explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit card — Store credit card
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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
RE : TD Account Number XXXX TD Bank reported my XXXX credit payment as XXXX  days past due. 
Please review the following information regarding my payment history on my TD Account : All payments have been made via the TD Bank Pay By Phone option The amount I paid was the payment amount provided on the TD Bank Pay By Phone system I registered on the website and have not been successful in logging in I have made payments each month, past the due date but well in advance of XXXX  days First payment to begin on XX/XX/XXXX The following are the dates payments were drafted from my XXXX Bank account : o XXXX - {$910.00} o XX/XX/XXXX - {$940.00} o XX/XX/XXXX - {$970.00} o XXXX - {$930.00} o XXXX - {$950.00} o XXXX - {$950.00} When discussing with the representative, they indicated that there are late fees. If there is a late fee that is owed, I would expect the phone system to add that to the amount owed. 
I am depending on the TD Bank Pay by Phone system to be accurate, therefore, I am not clear on how I am delinquent. 
When I asked the representative how much money was delinquent, she indicated she could not give me the information. I believe that is unlawful to not share the information. 
In reviewing the payments that TD Bank provided, it appears there was a systems issue in XXXX that doubled the amount owed in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: VA

Complaint narrative:
I am reporting an issue under Section 605c of the FCRA ( Section 605c of the Fair Credit Reporting Act ). Thank you for your attention to this matter and express your hope for a prompt response. I am reporting an issue of inaccurate information of numerous accounts that is not mine. This information is highly affecting my credit score and my ability to secure loans. Please remove these accounts. These accounts are not mine.

Please have these accounts removed as soon as possible. These accounts listed are not mine. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: NY

Complaint narrative:
Capital One Savor card- I have an auto pay of {$25.00} set up in the event that I forget to make a payment. I understand that I would still have to pay interest on the unpaid balance But I set this up to at least avoid the penalty charge. 

The problem is that every month, I log into the app to pay the full previous statement balance days before the {$25.00} auto pay is set to trigger. There is absolutely no indication that the full remaining balance from the last statement does not include this {$25.00} auto pay. The scam is that even though I paid the full balance, Capital One charges me interest charges for two months after that payment. 

Ive received different explanations for it, but the latest agent explained to me that the full balance does not reflect the {$25.00} that is set to be paid in the coming days. This is a predatory practice and should be stopped. I have not once been notified that the full balance does not include that {$25.00} but they continue to penalize me. 

I would expect that if Im paying the full balance on the XXXX, that would preempt any balance remaining or auto pay on the XXXX, but I have never been notified that this is not the case the latest agent explained to me. 

This agent arrogantly explained that I had it wrong even though I have never received any notice that this is their predatory practice. 

When the app asks if I want to cancel the auto pay When Im paying the full balance days before the auto pay goes into effect, it does not explain that that {$25.00} has been subtracted from the full balance. Im simply clicking the button that says pay last statement balance. How can I possibly know that it is not actually the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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 recently discovered multiple unauthorized inquiries on my credit report that are not associated with me. I have no record of engaging in any transactions with these companies. If these items are not removed from my credit report within the next XXXX  days, I will be compelled to seek assistance from a consumer rights attorney, file a complaint with the Consumer Financial Protection Bureau ( CFPB ), initiate legal action, and submit a report to the XXXX XXXX XXXX XXXX XXXX  ). I request that you promptly delete these unauthorized inquiries. The specific inquiries in question are as follows : XXXX XX/XX/XXXX| I never authorized these inquiries. Please delete immediately. 

XXXX XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XXXX XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete 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 explanation
Consumer complaint received 2024-10-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-10-12 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: CA

Complaint narrative:
Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 1692c, All charge off need to be removed under 15 U.S.C. 1601 15U.S.C.1681 ( e ) ( i ), All late payments 15 U.S.C . 1666 ( b ), 15U.S.C 1637 ( a ) the items that need to be removed are XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The XXXX XXXX Fair Debt Collections Practices Act Cal. Civ. Code section XXXX, et esq the 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 2024-10-12 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 recently discovered multiple unauthorized inquiries on my credit report that are not associated with me. I have no record of engaging in any transactions with these companies. If these items are not removed from my credit report within the next XXXX  days, I will be compelled to seek assistance from a consumer rights attorney, file a complaint with the Consumer Financial Protection Bureau ( CFPB ), initiate legal action, and submit a report to the Better Business Bureau ( BBB ). I request that you promptly delete these unauthorized inquiries. The specific inquiries in question are as follows : XXXX XX/XX/XXXX| I never authorized these inquiries. Please delete immediately. 

XXXX XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XXXX XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete 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 explanation
Consumer complaint received 2024-10-12 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 recently discovered multiple unauthorized inquiries on my credit report that are not associated with me. I have no record of engaging in any transactions with these companies. If these items are not removed from my credit report within the next XXXX  days, I will be compelled to seek assistance from a consumer rights attorney, file a complaint with the Consumer Financial Protection Bureau ( CFPB ), initiate legal action, and submit a report to the XXXX XXXX XXXX  ( XXXX  ). I request that you promptly delete these unauthorized inquiries. The specific inquiries in question are as follows : XXXX XX/XX/XXXX| I never authorized these inquiries. Please delete immediately. 

XXXX XXXX XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XXXX XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete 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 2024-10-12 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: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. Account # MidLand open XX/XX/ for {$240.00}. Account # XXXX XXXX XXXX XXXX. Open 8 months. XXXX. Account # XXXX XXXX XXXX XXXX open for {$720.00}. Has violated my rights. I looked at my XXXX Credit report on XX/XX/XXXX XXXX And noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s - 2 they are suppose to not furnisher 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. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 2024-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute Regarding Violations of My Rights by National Recovery Agency under Applicable Laws Dear CFPB, I am writing to formally file a complaint against National Recovery Agency for what I believe are multiple violations of my rights under federal regulations and statutes related to debt collection practices. Specifically, the actions taken by National Recovery Agency infringe upon the following provisions : Violation of 12 CFR 1006.34 ( b ) ( 5 ) This regulation requires that any written or electronic communication include clear identification of the creditor and the current balance of the debt. National Recovery Agency has failed to provide accurate and complete information regarding the debt, which has caused confusion and interfered with my ability to resolve this matter appropriately.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) According to this provision, collection notices must contain clear disclosures, including the right of the consumer to dispute the debt within a specified time frame. The collection notices I have received from National Recovery Agency did not adequately inform me of my right to dispute the debt, preventing me from taking necessary actions to protect my interests.

Violation of 12 CFR 1006.34 ( d ) Under this section, debt collectors are obligated to send a validation notice within five days of initial communication. National Recovery Agency has failed to send this required validation notice, thereby denying me the opportunity to verify the legitimacy of the alleged debt and make informed decisions.

Violation of 15 USC 1681-S 2 ( 7 ) ( A ) This section of the Fair Credit Reporting Act ( FCRA ) mandates that furnishers of information, such as collection agencies, ensure the accuracy of the information they provide to credit reporting agencies. I believe National Recovery Agency has furnished inaccurate information to the credit bureaus without properly investigating my disputes, causing harm to my credit profile and violating my rights under this law.

As a result of these violations, I have experienced undue stress, potential damage to my credit standing, and interference with my ability to exercise my legal rights. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that National Recovery Agency complies with the applicable laws. 

I look forward to your prompt attention to this complaint. Please feel free to contact me if you require any additional information or documentation. 

Sincerely, 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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 informationisinaccurate.

Company response to consumer: Closed with explanation