vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 
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 vears.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Kohls credit card The protected balance variable interest rate increases each time there is an increase in purchase variable interest rate. I have two balances on my credit card statements from Kohls one is the purchase balance that one is subject to variable interest rate changes. The other balance is a protected balance that should not be subject to variable interest rate increases. The issue I am experiencing is that each time my purchase variable interest rate increases the exact amount of increase also happens to my protected, balance, variable interest rate. 
I only have access to my XXXX statements and have provided the information below, and also followed up with an email with pictures of the statements. But this issue has been happening since I received a protected balance, variable interest rate, and it has been increasing each time I purchase APR increases. Ive been trying to get help over the phone about this problem they will not help me over the phone. They said I need to mail a letter or pay off the balance to stop the increase of rate on the protected balance.

Statement : XX/XX/XXXX Purchase rate 28.99 % Protected balance rate 27.99 % Statement : XX/XX/XXXX Purchase rate 30.24 % Protected balance rate 29.24 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX, XXXX, and Transunion are reporting Fraudulent on my credit report. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX are not my accounts. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquires are not mine and unauthorized.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX, Equifax, and XXXX are reporting Fraudulent on my credit report. XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX are not my accounts. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquires are not mine and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the information that appears on my credit report regarding the charge off of my account with XXXX XXXX - XXXX. The account in question is listed on my credit report as being charged off with a balance of XXXX, which is inaccurate. 

I dispute the charge off of my account for the following reasons : The creditor did not provide me with sufficient notice of the impending charge off, and I was not given an opportunity to make payment arrangements before the account was charged off. 

The amount listed as charged off on my credit report is incorrect. I have proof of payments that I made towards the balance, and the amount charged off should be lower than what is currently reported. 

The creditor did not follow proper procedures for charging off the account. They did not provide the required notices or follow the correct timeline for charging off the account. 

The charge off is the result of an error or misunderstanding. There was a miscommunication between me and the creditor about the status of the account or the amount owed. 

The creditor have violated my rights under federal or state laws, such as the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 

The creditor did not properly apply payments made to the account. Some payments were not credited to the account or were credited incorrectly. 

The creditor did not provide me with a full accounting of the amount owed on the account, including interest and fees. I was charged fees or interest that were not disclosed or that I did not agree to. 

The charge off is the result of a billing dispute or error. I disputed a charge on my account and the creditor charged off the entire account instead of just the disputed amount. 

I request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. Please also provide me with a written confirmation of the correction and an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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:
I have been trying to get these fraudulent accounts removed for a while. Ever since i have learned how important credit is and I've been trying to build my credit. Please get these account removed they are negatively affecting me and its not my fault. I have gotten a police report, disputed these and nothing changes. It shouldn't be this hard to remove items that I didn't open please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get these fraudulent accounts removed for a while. Ever since i have learned how important credit is and I've been trying to build my credit. Please get these account removed they are negatively affecting me and its not my fault. I have gotten a police report, disputed these and nothing changes. It shouldn't be this hard to remove items that I didn't open please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The following complaints were filed against Wells Fargo Auto XXXX on XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) for failing to allow modification and/or payment arrangements on the auto loan, illegal repossession and deceptive trade practices. 

More recently, Wells Fargo was sued and ordered to pay {$3.00} billion dollars as it wrongfully seized homes and cars. The CFPB declared, 'Wells Fargos 's rinse-repeat cycle of violating the law has harmed millions of American families. 

After failing to allow payment arrangements on my accounts and illegally repossessing my vehicle Wells Fargo caused significant damage to my credit and personal well-being as I was forced to file bankruptcy. 

Wells Fargo has not provided a settlement arrangement or payout as required under the terms of the class action lawsuit.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX ) XXXX XXXX # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX 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 an account without my written instructions. This company has stated numerous times I have no account with them, so reporting to my credit report is illegal. Ive tried to solve this problem several times with all three credit bureaus. First I was sent someone elses personal information which is a violation under the FCRA. This account has stated, I have no account with them so please remove this account from 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 non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX 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 an account without my written instructions. This company has stated numerous times I have no account with them, so reporting to my credit report is illegal. Ive tried to solve this problem several times with all three credit bureaus. First I was sent someone elses personal information which is a violation under the FCRA. This account has stated, I have no account with them so please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a check from the Equifax Breach Settlement Fund without my knowledge about my involvement in the breach. Credit reports showed multiple negative reports by unknown agencies/individuals. All three credit bureaus ( XXXX, Equifax, and XXXX ) failed to contact me and/or obtain my consent, verify information, and investigate their records. On XX/XX/XXXX, a report was filed with IdentityTheft.gov for fraudulent reports but no action has been taken from the bureaus. A freeze was obtained for a few months. However, the lack of security from which the bureaus are obligated to protect has caused in loss of financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
In accordance with the fair credit reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried to update address and check to see if credit freeze is still on. Equifax will not let me log in and when I call the number they tell me to I still cant update without going through a process which I cant trust. After giving them all the info they request, they then tell me I have to send a copy of my drivers license and social security card through the mail to them. I did not have one single problem with XXXX and XXXX. I feel like this is too invasive and possibly a scam. I understand the need for security measures, but this js dangerously excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
With respect to XXXX XXXX : 15 U.S. Code 1681, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/2023, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 
Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
Omit the following names as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Omit the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PA XXXX Omit the following telephone numbers as none are listed at a public record and I have not consented to its recording : 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  Omit the following employers. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed XXXX XXXX XXXX account on my credit report and asked for a contract. Transunion and the creditor opened this account and reported this account late. It took dropped my credit score by XXXX XXXX and my on-time payment went from 100 percent to 99 percent. The company can not falsify the status of this account and change the statues from closed to open if the account is closed. 

Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. 
Section 392.307 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 
Title 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts.

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 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Credit Acceptance Corporation is a vehicle loan company. They were just sued by New York for overcharging clients on interest rates. How do I file a lawsuit on the company from Illinois? 
I called to get my principal balance and I was told my interest rate fluctuates monthly even though I have a fixed monthly payment. Every month my interest increases. This is unacceptable.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX  : # XXXX, Account name XXXX : # XXXX XXXX Account name XXXX FXXXX : # XXXX, Account name XXXX XXXX XXXX : # XXXX have violated my rights. 

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