vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: MS

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. 

This is a list of all hard inquires that are reporting to my XXXX, TRANSUNION, AND XXXX which is in violation of my privacy rights under the Privacy Rights Act of XXXX, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also Transunion, XXXX, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. 

This is a list of all hard inquires that are reporting to my XXXX, XXXX, AND EQUIFAX which is in violation of my privacy rights under the Privacy Rights Act of XXXX, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, Equifax, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several inaccuracies on my credit report. As a consumer, I believe it is important to raise awareness about this matter and seek your assistance in resolving it. I have attempted to resolve this matter directly with the credit bureau : Experian, XXXX, and XXXX but my efforts have been unsuccessful. It is my sincere belief that the practices or actions in question are in violation of consumer protection laws or regulations, and I kindly request your intervention and investigation into this matter. I have chosen to reach out to the Consumer Financial Protection Bureau because of your reputation for advocating on behalf of consumers and ensuring fair treatment in the financial marketplace. I trust that your expertise and authority will help address this issue appropriately and hold accountable those responsible for any wrongdoing. In order to assist you in your investigation, I would appreciate any guidance or advice you can provide me regarding next steps or any additional measures I can take to resolve this matter. Thank you for your attention to this important issue. I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection and look forward to a prompt resolution. Collection agency has not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( I ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006 34 ( D ) and 15 USC 1681-S2 ( 7 ) ( A ) Requesting the purchase agreement between collection agency and original creditor. 

Here are the items I am asking you to verify as accurate on each credit bureau : Experian : [ 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 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 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 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 XXXXXXXX ] [ XXXX ] Thank XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Kindly get rid of these inquiries. I don't have any information on this, and the company did it without my authorization.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, When I recently looked at my PERSONAL CREDIT REPORT it shows a BUSINESS CREDIT card on it, It also shows 60 Days past Due. 
I did not authorize the creditor to put any BUSINESS CREDIT card on my PERSONAL CREDIT REPORT, I was never late on any BUSINESS CREDIT CARDS as well. THE CARD and the late payments needs to be removed IMMEDIATELY The account is XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MD

Complaint narrative:
I mailed a dispute letter to Equifax in XX/XX/year> and I followed up with a dispute through the CFPB on XX/XX/year>. Well over 30-days from my second dispute, Equifax responded by stating it needed information to verify my identity. This makes no sense. I was able to pull my XXXX report with no problem. And after XXXX XXXX stated it could not find my file, they sent me a letter stating that they found it and were sending me my report. You had thirty days to respond to my dispute and did not do so. Now, you must delete the account. Asking for identity after thirty days has lapsed is not acceptable. You must delete the disputed accounts because you obviously did not investigate and verify they were accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2024 - called Chase bank to discuss a mistake they made in determining the outcome of a customer credit card charge dispute. The customer signed up for our monthly music lesson service, used the service, and we provided documented proof of the usage from our servers. Chase denied the claim saying that we did not provide proof of usage. It's a clear mistake. Maybe Chase 's representative just missed the file showing the usage. We contacted customer service and every representative stated, very clearly reading off a template, that " you must call the customer and have them call us to cancel the dispute ''. This doesn't make any sense. We're telling Chase the customer is committing fraud and they're asking us to contact the customer? 

Chase not only completed the chargeback, but took an equal amount in additional chargeback fees. They are profiting off fraud and literally stealing from small businesses who can not fight back legally. 

We have complete documentation of everything, but nowhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
While shopping at Best Buy, I had applied to re-open my lapsed line of credit with them. I entered my social security number, date of birth, and name, and provided my Massachusetts state-issued driver 's license. The clerk at the store then proceeded to apply for the card in my father 's name with his email address attached because I used the family 's store rewards account to complete the purchase. The due date and payment cycle information were not disclosed to me at the time of the sale. 

Following this, I received a card in the wrong name, but never received an accompanying statement. Because the card was issued incorrectly with an incorrect name and email address was attached to the account, I wasn't able to establish online access to view my information. I never received any statements for the account either. I called the cardholder services number to make a payment and request that my information be changed. Per their instructions, I sent them a notarized letter with my requested corrections and a copy of my driver 's license. After receiving a card with the correct name and confirming that the email address on the account was finally corrected, I was still unable to set up online access with the same error code of being " unable to set it up at this time, '' with a note that they will lock my card for online setup after too many incorrect attempts. I had already confirmed with a representative when I called that my card was not locked for sign up and made a payment over the phone. The due date was, once again, not mentioned. 

I only received a statement for this account with my due date after a {$30.00} late charge for non-payment had already been assessed. This account has been nothing but a hassle to attempt to maintain. Their services are subpar and their support is virtually nonexistent.

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 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I sent an email to XXXX last week requesting to file a complaint against Midland Credit Management for their illegal collection practices. 

Today XX/XX/year>, my mortgage company informed me that MCM has sold the remaining balance ( {$390.00} ) to another collection company ( XXXX XXXX ). 

Midland Credit Management and I agreed to settle this account in full on XX/XX/year> for {$830.00}, which I immediately paid. They have since refused to give me a receipt. 
I found out today that they sold the remaining balance to another collection company. This is completely illegal and immoral at every degree. 

Again, I am requesting that a criminal complaint be filed against Midland Credit Management Services for its illegal actions taken in this matter. Because, I am sure it is illegal for MCM to agree to except a settlement as full payment and then sell the remaining balance to different collection agency. 

I would greatly appreciate any help you may be able to offer in resolving this matter, as the illegal actions taken by MCM have seriously hindered my ability to complete the purchase of my new home. Thank you. 


Respectfully Submitted, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Acct. # XXXX Midland Credit Management ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I reached out to both companies and the credit report agencies to have the correct information updated. On XX/XX/2024 I submitted a dispute with the credit report agency and reported back in less than thirty minutes stating the information was correct. I do not know what kind of investigation was conducted and who did they speak to at the business. On XX/XX/2024 I called XXXX and Navy Federal and asked them to look at my account, never late why would I start now? An investigation was not conducted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$49000.00} XX/XX/XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-06-30 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: MD

Complaint narrative:
Im a victim of identity theft and unknown person misused my personal imformation to obtain credit cards, and loans. i demaded that yall do a investigation and remove these from off my credit asap.

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 2024-06-30 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: MD

Complaint narrative:
Im a victim of identity theft and unknown person misused my personal imformation to obtain credit cards, and loans. i demaded that yall do a investigation and remove these from off my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( Requires removal of each item from the credit report which you identify in your complaint within 4 days of complaint getting submitted to CFPB )

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 2024-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Auto Finance kept calling me day after day including on weekends no matter that XXXX weeks before this complaint I already contact them and inform them to stop any calls to my cell phone and if they want they can send letter true mail. 

At that moment the agent told me she would put me in do not call list but after that XXXX other agents call me again from the same number ( XXXX ) On the XX/XX/2024 at XXXX pm I got another call from Capital one and I inform the agent clearly that he was violating my right and the agreement. 

I record the phone conversation so XXXX can proof for a Lawsuit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off my credit card in Full on XX/XX/year>. Announced to me the person that I was dating was taking my card and using it. Charging things like gift cards and other random things. Within about a month it was completely maxed and I didnt know until I tried to use it. I called the company and said that none of those charges were made by me, they asked me some questions and they said that because I didnt protect my card and that I knew the person that had done it that it was my fault and I would have to pay the charges. I dont think thats fair. I think an investigation shouldve at least been done. I need your help to resolve this with this company because I cant pay this bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-30 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: MD

Complaint narrative:
Im a victim of identity theft and unknown person misused my personal imformation to obtain credit cards, and loans. i demaded that yall do a investigation and remove these from off my credit asap.

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 2024-06-30 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:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer 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 2024-06-30 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I have filed a dispute in regards to the alleged debt on my credit report and ask for validity, proof and It has been well over 90 days.

Company response to consumer: Closed with explanation