vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I have inquiries on my XXXX Experian, and XXXX  credit report that I did not authorize. Starting from XX/XX/2021 till now. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested a personal loan in the amount of {$1700.00}. When I checked the address of the requestor, they stated that it was an address from XXXX, TN in which I have never lived there. I have been trying to remove that address for about 4 months now. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.

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 2023-06-03 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: TN

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX ( XXXX XXXX XXXX  ) Acct # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

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

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 2023-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems, L.P. sent a notice on XXXX that we owe XXXX XXXX {$1600.00}. This amount was already paid for prior to us moving into a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023 I pulled my credit and I had 8 inquiries. I did not authorize them Please have them removed. They are XXXX, XXXX Bank of America and XXXX XXXX XXXX XXXX XXXX Please remove them.

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 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Due to unexpected expenses, we hit our limit on our credit card. So we submitted a payment early in order to be able to continue to use it. We did this on XX/XX/2023. The money was taken from our account on XX/XX/2023. When I called to determine why my card was still being decline on XX/XX/2023, I was told that my payment would not post until XX/XX/XXXX, a full calendar week after the balance was paid, and nine days after I initiated the payment. In our case, it is more of an inconvenience, but I can see that this policy could harm people that are paying interest on their balances. In a case like this, Synchrony would have the funds, but continue to charge interest due to an unexplained policy that gives them seven days to charge interest on a balance that no longer exists.

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 2023-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My consumer credit card account with capital one has reported a late payment on. I have called Capital one to confirm that the payment was indeed not late and this information is reported inaccurately. 

Please remove the late payment from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: LA

Complaint narrative:
Previously sent a dispute about credit inquiries on my TransUnion account XXXX XXXX inquiry date XX/XX/XXXX type banks and XXXX XXXX XXXX  phone number XXXX XXXX and XXXX inquiry date XX/XX/XXXX type banks and XXXX XXXX XXXX phone XXXX are not mine and are not valid reported that these inquires and not valid reported the issue to TransUnion and they could not verify how or what what this information was verified these inquiries where not done by me and I would like these two inquires removed immediately these are no on any other reporting agency and i request removal if the can not give me there method of verification within the allotted time

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 2023-06-03 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I was looking to purchase a home and I noticed there were negative items in my report. This is a violation of 15 U.S Code 1681i ( 5 ) removal of inaccurate/invalidated credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a 0 % interest credit card with Capitol One Quicksilver beginning XXXX XXXX, XXXX. The 0 % interest promotion was for 15 months. The promotion, therefore, expired on XX/XX/XXXX. 

My due date for my statement billed on XX/XX/XXXX was XX/XX/XXXX. I paid off the entire credit card balance before XX/XX/XXXX. I made one payment on XX/XX/XXXX. I made a second payment, bringing my balance to {$0.00}, on XX/XX/XXXX. Therefore, I paid off my balance in full by the due date ( i.e. during the grace period ). 

On XX/XX/XXXX, I received a statement saying I owe {$140.00} in interest. Capitol One tells me that I did not have a grace period between XX/XX/XXXX and XX/XX/XXXX. 

When I opened the credit card, I read all the terms and conditions available to me on the offer on the website, and nowhere did it say I would not receive a grace period upon the end of the promotion. Additionally, my statement on XX/XX/XXXX did not state in plain terms that I had no grace period ( nor did it tell me the promotion ended ). Finally, per the representative on the phone, my XX/XX/XXXX statement charging me {$140.00} has a grace period until the due date on XX/XX/XXXX. 

So, Captiol One deceptively eliminated my grace period for one month just to " get '' me with an interest charge on a promotional credit card offer. This is not only fraud ( i.e. I would not have opened this credit card if I knew there was no grace period upon the expiration of the promotional offer ), but also unfair and deceptive business practices. I had no way of knowing by the plain meaning of written terms when I accepted Capitol One 's offer that there would be no grace period at the conclusion of the promotion period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03 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: 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 XXXX {$4500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX  XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: Experian Information Solutions 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 XXXX {$4500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$140.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} 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 2023-06-03 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: 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 15USC1681 Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: TN

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: NC

Complaint narrative:
I am a victim of identity theft and I keep sending documents over and over for them to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: GA

Complaint narrative:
It was happened that before couples months ago when I requested credit report I found there is account showing in my report which is not belong to me because I know all the account that opened on my own personal account either debt or credit, but the one shown under the account name as the following : - XXXX XXXX  XXXX Partial Acct # XXXX. 
Date opened XX/XX/XXXX in the original amount of {$2500.00} is not mine and not belong to me and I already opened a dispute with Experian on XX/XX/XXXX, this not my account, this really a fraud and ID theft of my personal information, Please kindly try to resolve this issue ASAP, because now the credit report has been affected my score to negative for something not mine Im ID theft victims. 
I did more than 5 calls to the creditor trying to tell them this loan is not belong to me and the department they disconnected my all calls and dont want to discuss this issue of fraud with me they intentionally disconnected the calls. I hereby would like to file this dispute to you as governmental bureau of consumer protection to solve my issue and place security freeze till the investigation completed. 
Account overview XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$84.00} Balance as of XX/XX/XXXX Loan balance You've paid 97 % of your loan balance. 
{$2500.00} X Making on-time payments will help you chip away at your balance and is a key ingredient in your credit score.

Payment details Payment status Past due 30 days Minimum monthly payment {$83.00} Terms 2 years 5 months this attached report copy

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 2023-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : * What the money you say I owe is for; * Explain and show me how you calculated what you say I owe : * Provide me with copies of any papers that show I agreed to pay what you say Iowe : * Provide a verification or copy of any judgment if applicable : * Identify the original creditor. 
* Prove the Statute of Limitations has not expired on this account : * Show me that you are licensed to collect in my state : California * Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : * Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act * Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

**Attachments showing that this account has been deleted from the other credit reporting agencies. **

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 2023-06-03 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: 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 XXXX {$4500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX  XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} 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 2023-06-03 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: TN

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

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

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 2023-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is the XXXX Complaint before Filing a Lawsuit against TransUnion and XXXX! There is a fraudulent account on my TransUnion and XXXX XXXX XXXX with XXXX XXXX, Account Number : XXXX, also known as XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( the way it is reported on my XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( XXXX ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the report is not included on my consumer report. TransUnion, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting fraudulent information. The information is, in fact, fraudulent and inaccurate. The continued reporting of this fraudulent information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, fraudulent/inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.

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 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Received letter that a Discovery card was denied on our behalf and not funded due to not having enough information. We did not apply for card

Company response to consumer: Closed with explanation