vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
I am writing to formally notify you of violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681n, about the unauthorized use of my consumer report by your organization. I have discovered that my consumer report was accessed and used without my express consent or lawful authorization, in violation of federal law.

Violation of 15 USC 1681n : Civil Liability for Willful Noncompliance Under 15 USC 1681n, any person who willfully fails to comply with the requirements imposed under the FCRA concerning any consumer is liable for damages. The violations by your company in this case include but are not limited to : Unauthorized Access to Consumer Report : My consumer report was accessed without permissible purpose under 15 USC 1681b ( a ), which explicitly lists the conditions under which a consumer report can be legally obtained. No permissible purpose was present in this case.

Failure to Notify of Rights : Under 15 USC 1681g ( c ), you are required to provide a clear and conspicuous summary of consumer rights under the FCRA when my consumer report is used. This right was not honored in this instance.

Failure to Ensure Accuracy : Under 15 USC 1681e ( b ), you have a legal duty to follow reasonable procedures to ensure the accuracy of the information in consumer reports. The information in my report was not accurate, nor was it verified before being used unlawfully.

Negligent Noncompliance ( 15 USC 1681o ) : Should this matter be determined to involve negligence, you are also liable under 15 USC 1681o, which imposes civil liability for damages caused by negligent noncompliance with the FCRA.

Damages As a result of your willful noncompliance, I am entitled to actual damages, punitive damages, and statutory damages of up to {$1000.00} per violation, along with reasonable attorney fees, as outlined in 15 USC 1681n ( a ) ( 1 ) ( A ).

Additionally, I reserve the right to pursue remedies under : 15 USC 1681p : The statute of limitations for any legal actions concerning FCRA violations, which allows for recovery of damages up to two years from the date of discovery of the violation.

15 USC 1681q : This provision imposes penalties for knowingly and willfully obtaining information from a consumer reporting agency under pretenses, which may also apply here.

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 2024-09-11 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:
I am writing to formally notify you of violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681n, about the unauthorized use of my consumer report by your organization. I have discovered that my consumer report was accessed and used without my express consent or lawful authorization, in violation of federal law.

Violation of 15 USC 1681n : Civil Liability for Willful Noncompliance Under 15 USC 1681n, any person who willfully fails to comply with the requirements imposed under the FCRA concerning any consumer is liable for damages. The violations by your company in this case include but are not limited to : Unauthorized Access to Consumer Report : My consumer report was accessed without permissible purpose under 15 USC 1681b ( a ), which explicitly lists the conditions under which a consumer report can be legally obtained. No permissible purpose was present in this case.

Failure to Notify of Rights : Under 15 USC 1681g ( c ), you are required to provide a clear and conspicuous summary of consumer rights under the FCRA when my consumer report is used. This right was not honored in this instance.

Failure to Ensure Accuracy : Under 15 USC 1681e ( b ), you have a legal duty to follow reasonable procedures to ensure the accuracy of the information in consumer reports. The information in my report was not accurate, nor was it verified before being used unlawfully.

Negligent Noncompliance ( 15 USC 1681o ) : Should this matter be determined to involve negligence, you are also liable under 15 USC 1681o, which imposes civil liability for damages caused by negligent noncompliance with the FCRA.

Damages As a result of your willful noncompliance, I am entitled to actual damages, punitive damages, and statutory damages of up to {$1000.00} per violation, along with reasonable attorney fees, as outlined in 15 USC 1681n ( a ) ( 1 ) ( A ).

Additionally, I reserve the right to pursue remedies under : 15 USC 1681p : The statute of limitations for any legal actions concerning FCRA violations, which allows for recovery of damages up to two years from the date of discovery of the violation.

15 USC 1681q : This provision imposes penalties for knowingly and willfully obtaining information from a consumer reporting agency under pretenses, which may also apply here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: LA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-11 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: HI

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-11 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/year> Notice of Intent to Sue for Unauthorized Sharing of Nonpublic Information Dear, Destiny Card I am writing to formally notify you of my intention to pursue legal action against you for the unauthorized sharing of nonpublic information that belongs to me. It has come to my attention that you have disclosed sensitive information without my consent, which is a violation of our agreement and could have significant repercussions. 

The specific information in question includes [ describe the nonpublic information ], which was shared with XXXX XXXX XXXX XXXX. This disclosure has not only breached our trust but has also caused potential harm to my personal and professional interests. 

I request that you cease any further dissemination of my nonpublic information immediately and provide a written/email acknowledgment of this request Failure to comply may compel me to take further legal action to protect my rights and seek damages for any harm caused. 

Please consider this letter as a serious matter. I hope we can resolve this issue amicably. However, I am prepared to take all necessary legal steps to protect my interests. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-11 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: FL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX Employer - XXXXXXXX XXXX Employer - XXXX  XXXX Incorrect Current Address : - XXXX XXXX XXXX CT, XXXX, FL XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX CT, XXXX, FL 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
When scheduling a payment with this company the website does not show the schedule payment. Thus I end up making duplicate payments. Reaching the place to update or cancel payments is not easy to find or do.

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 2024-09-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This company has sold my debt and it states on my credit report as a charge off, once the company sold the debt they did not notify me nor did the other company 15 U.S. Code 1681 ( e ) ( b ) I was not provided a 1099C and I have not been able to file the income for taxes and according to the irs I need too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Notice of Intent to Sue for Unauthorized Sharing of Nonpublic Information Dear, Destiny Card I am writing to formally notify you of my intention to pursue legal action against you for the unauthorized sharing of nonpublic information that belongs to me. It has come to my attention that you have disclosed sensitive information without my consent, which is a violation of our agreement and could have significant repercussions. 

The specific information in question includes [ describe the nonpublic information ], which was shared with MIDLAND CREDIT MANAGEMENT XXXX. This disclosure has not only breached our trust but has also caused potential harm to my personal and professional interests. 

I request that you cease any further dissemination of my nonpublic information immediately and provide a written/email acknowledgment of this request Failure to comply may compel me to take further legal action to protect my rights and seek damages for any harm caused. 

Please consider this letter as a serious matter. I hope we can resolve this issue amicably. However, I am prepared to take all necessary legal steps to protect my interests. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information.

2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms.

3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation. 
Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
XXXX. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information.

2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms.

3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation.

Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.

Company response to consumer: Closed with explanation