vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Your Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Equifax Dispute Department Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dispute of Unauthorized Hard Inquiries on Credit Report Dear Equifax Dispute Team, I am writing to formally dispute unauthorized hard inquiries on my Equifax credit report. After a thorough review of my report, I identified several hard inquiries that I did not authorize, as listed below : Disputed Hard Inquiries 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 XXXXXX/XX/XXXX I did not authorize these hard inquiries, nor did I initiate any actions that would have resulted in their placement on my report.

Legal Basis for Dispute Under 15 U.S. Code 1681b ( c ), only permissible purposes may warrant hard inquiries on a consumer report. These inquiries do not align with my credit application history, nor did I grant any creditor the necessary authorization. Additionally, 15 U.S. Code 1681c-2 states that a consumer reporting agency must block the reporting of any information resulting from identity theft or unauthorized actions within 4 business days of receiving notice. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) : I have a right to privacy and confidentiality under 15 U.S. Code 1681 ( Section 602 A ), and these unauthorized hard inquiries are a violation of that right. Under 15 U.S. Code 1681i, I have the right to dispute inaccurate or
unauthorized entries, and the reporting agency must investigate and correct any errors.

Requested Action Please remove the listed inquiries from my credit report within 4 business days of receiving this notice. Failure to resolve this matter may lead to further claims for statutory damages for unauthorized entries on my report, as these hard inquiries impact my credit score and financial standing without my consent. 
Thank you for your prompt attention to this matter. I look forward to confirmation of receipt of this dispute and the resolution of my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

Complaint narrative:
I sent a letter to POSSIBLEFINA about a XXXX dollar debt that was charged off as bad debt. if a debt is charged off that means it was written off on their taxes so by federal law the debt can not be collect/reported. the letter I sent via certified mail was returned to sender. If the company is reporting a false address so no one can't contact them then that is also a violation of the law. the address needs to be updated because my letter to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WAS RETURNED TO SENDER.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
Revolut has hired the most immature and terrible people to handle their support. The phone number is XXXX based but the customer support line is American women being rude. I have attempted to verify by photo identification, government issued ID, and password. They refuse to help me and are terribly catty. I need to access my account and request a new debt card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: TX

Complaint narrative:
Im genuinely taken aback after seeing incorrect accounts appear on my credit report today. I review my report frequently, so finding these discrepancies was an unwelcome shock. I even tried refreshing the page in hopes it was just an error, but the inaccuracies persisted. As a result, Im requesting a thorough check of the documents Ive sent to resolve this once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
If a consumer Notifies a debt collector that the Consumer refuses to pay a debt the debt must cease All communications. The Law States per { 15 USC1692 C [ c ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
If a consumer Notifies a debt collector that the Consumer refuses to pay a debt the debt must cease All communications. The Law States per { 15 USC1692 C [ c ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: NJ

Complaint narrative:
IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # 39 ; s main goals are to balance the government & # 39 ; s need for information with the rights of individuals to privacy.

The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information.

Requires notice : Agencies must notify the public of their record systems.

Requires consent : Agencies can not disclose an individual & # 39 ; s record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report again on XX/XX/year> and noticed some things are still incomplete and not accurate with the accounts listed above. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the informat
ion is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not 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 explanation
Consumer complaint received 2024-10-28 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
There has been numerous of inquiries been pulled from my personal credit account with out my authorization and thats fraud. Im not aware of any of those transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
There has been numerous of inquiries been pulled from my personal credit account with out my authorization and thats fraud. Im not aware of any of those transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to 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 explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: TX

Complaint narrative:
On or about XXXX XX/XX/XXXX 2024, I recieved notification that my grace period for my student loan serviced by Edfinancial had ended and that I would be expected to begin payment in XXXX. I promptly responded notifying the service provider that my repayment should not be restarted becuase I was currently enrolled in school and would be until XXXX of 2024. They resposded with generic information about student loan defferment and different military service acts and waivers relevant to student loan repayment but did not directly address the issue of them restarting my payments while I was still currently enrolled in school. I recieved no further follow-up from the loan servicer until yesterday XX/XX/XXXX when I recieved a billing statement for my loan due by XX/XX/XXXX that is not appropriate as I am still enrolled in school until XXXX. I have attached my enrollment verificatoin from my university as well as a copy of Edfinancial 's nonresponsive reply to my email notifying them that I was still in school and that restarting paymenst was not appropriate at this time for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The password and phone number associated with my account in the Experian system. I did not change these and I don't know who did. The online system will not allow me to access my information or change my password without knowing the phone number associated. This would appear to be a fraudulent situation. I called the company. There's no ability to access a live agent. I was advised by the automated system to send a letter requesting a password reset. I sent the letter with the required identifying information on XX/XX/XXXX. I received a letter back on XX/XX/XXXX advising me to call the XXXX number ( XXXX ). It was the same phone number that had advised me originally to send a letter. I sent a second letter with the same information that was sent previously on XX/XX/XXXX. 
It has been 27 days and I have not gotten a response. 
I would like to get my password and phone number reset so that I can access my credit report and determine whether there has been fraudulent activity on my account. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for reporting inaccurate information on my credit report. Despite the account being fully paid with a {$0.00} balance, they continue to report incorrect payment history and the date last active. Additionally, XXXX XXXX XXXX business registration in Texas is forfeited, making their reporting unauthorized under state law. 

Furthermore, XXXX XXXX XXXX has failed to adhere to Uniform Commercial Code ( UCC ) regulations regarding the repossession of the vehicle associated with this account, further undermining the legitimacy of the reported information. These actions violate 15 U.S. Code 1681s-2 of the FCRA. 

I request the immediate removal of this account from my credit report. Failure to comply will result in legal action for willful and negligent violations under 15 U.S. Code 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: FL

Complaint narrative:
I received a collection on all XXXX credit bureau for a company name USCB representing XXXX XXXX however I've never attended that school. Last I spoke with a representative and explained i needed proof of this debt instead they sent it to collection for {$520.00}. I would like for this to removed off all XXXX of my credit it is not my debt and USCB have yet sent me any debt verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: WI

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measre of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. 
Cc Consumer Financial Protection Bureau. Cc Attorney 's General Office. Cc XXXX XXXX XXXX Co State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptrollen of the Currency. Cc Federal Reserve System. XXXX XXXXXXXX XXXX XXXXXXXX. XXXX Federal Trade CommissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: AZ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

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