vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/scrub> 2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Dispute of Inaccurate Accounts and Hard Inquiries Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and outdated information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts have violated my federally protected consumer rights under 15 U.S.C. 1681, and I am requesting their removal : Accounts in Dispute : XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : 15 U.S.C. 1681 Section 602 A : I have the right to privacy.

15 U.S.C. 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include information that is over 7 years old.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Information furnished to consumer reporting agencies must be accurate.

Additional Concerns : The following hard inquiries on my credit report are also disputed under the FCRA : XXXX XXXX XXXX XXXX : Unknown. 
XXXX XXXX XXXX XXXX XXXX Hard inquiry # 1. 
XXXX XXXX XXXX  : Hard inquiry # 2. 
According to 15 U.S.C. 1681i and 15 U.S.C. 1681b, these inquiries are past the two-year limit and are not accurate or authorized by me. 

I request that you investigate these accounts and hard inquiries. They should be removed from my credit report as they are either outdated or inaccurately reported. Please provide written confirmation once these items have been removed or inform me if additional information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Accounts and Hard Inquiries Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and outdated information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts have violated my federally protected consumer rights under 15 U.S.C. 1681, and I am requesting their removal : Accounts in Dispute : XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : 15 U.S.C. 1681 Section 602 A : I have the right to privacy. 
15 U.S.C. 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include information that is over 7 years old.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Information furnished to consumer reporting agencies must be accurate. 
Additional Concerns : The following hard inquiries on my credit report are also disputed under the FCRA : XXXX XXXX XXXX XXXX  : Unknown. 
XXXX XXXX  XXXX XXXX XXXX Hard inquiry # 1. 
XXXX XXXX XXXX : Hard inquiry # 2. 
According to 15 U.S.C. 1681i and 15 U.S.C. 1681b, these inquiries are past the two-year limit and are not accurate or authorized by me. 

I request that you investigate these accounts and hard inquiries. They should be removed from my credit report as they are either outdated or inaccurately reported. Please provide written confirmation once these items have been removed or inform me if additional information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-08-11 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: NC

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: Alorica Inc.
State: NC

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
This company M & M Credit, in direct violation of the FDCPA 15 USC 1692d, has harassed and oppressed me using fraud. By the use of criminal means, they have damaged my reputation as well as my ability to obtain consumer credit, further diminishing my faith in the banking system. They have stolen my identity using my social security number in violation of 42 USC 408. 42 USC Sec. 408 provides that : *Whoever ... ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both. '' Theyve failed to remedy this fraud. In violation of 15 USC 1692b and 15 USC 1692c, M & M Credit has communicated with me at a place that is inconvenient. As Ive advised them in writing, that I refuse to pay this fraudulent claim and that I wish no further communication continues between them and I, they are still reporting this claim to credit reporting agencies in direct violation to the law. I have no valid contract with this company, nor do I have a contract with the company they've claimed to assume the debt from. This company has failed to produce either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: NC

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter

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 2024-08-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter

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 2024-08-11 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
" I was scammed by https : //www.upstart.com into taking out a veteran-friendly loan to help me relocate. After taking out the loan, I struggled to make payments. They were aware that I receive VA XXXX payments and suggested I use that money to pay them. I attempted to settle the loan, but they refused, insisting that I continue making payments from my VA XXXX benefits. The loan has now been sold to XXXX XXXX XXXX, who are demanding payment from my VA XXXX benefits and threatening to sue and garnish those benefits if I don't comply. Under federal law, debt collectors can not garnish VA XXXX payments. I have tried reaching out to Velocity to negotiate, but they refuse and continue to threaten legal action. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was locked out of my account and after I sent an email asking for a supervisor to help me get back into my account and telling coinbase that I'm not the one who locked it they did to please unlock it and they sent me an email saying your account is unlocked and it was but I couldn't send money or I couldn't trade cryptocurrency then after getting back into the chat they verify that I had sent all required documents on XX/XX/XXXX and apologize for the mishaps and said that they would just give them a few days to unlock my account and I would receive an email but I haven't received any emails and when I inquired and maybe I got upset they locked me out my account again and now I can't do anything I can't see my money I can't they're scamming me I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Complaint for debt accounts : XXXX and Reference XXXX Sequium Asset Solutions , LLC TO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX  CA XXXX Monday through Friday XXXX XXXX XXXX XXXX XXXX Eastern Time Zone Reference XXXX Pay.Sequium.com XX/XX/year> Several Months ago I contacted XXXX XXXX XXXX XXXX XXXX and asked for them to forgive my debt. They didn't respond. Is this a debt stemming from XXXX XXXX XXXX? It is unclear where this debt is coming from. I noticed that Sequim was unclear in the letter of debt. What can I do if I can not pay this debt. I don't have enough money. Is there a government agency that can help cover this debt? 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Urgent Request for Rectification of Unauthorized Hard Inquiries Dear Equifax Team, I am compelled to bring to your immediate attention a series of unauthorized hard inquiries that have inexplicably appeared on my credit report. These inquiries have cast an unwarranted shadow on my otherwise meticulously maintained credit profile. I am confident that these entries are the result of a grievous error, if not outright fraud, and I am requesting their swift removal.The inquiries in question are as follows : XXXX XXXX Inquiry Date : XX/XX/XXXX Nature of Dispute : Unauthorized Inquiry Explanation : I have never initiated or consented to any credit inquiry with XXXXXXXX XXXX or any affiliated entity on the specified date. This inquiry appears to be an erroneous or fraudulent entry that I insist be expunged from my record immediately. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Account Number : Nature of Dispute : Unauthorized Inquiry Explanation : I have no affiliation with XXXX XXXX XXXX nor have I sought any credit or financial services from them. This unauthorized inquiry is both perplexing and unwarranted. 

XXXX XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Dispute : Unauthorized Inquiries Explanation : I am disputing these inquiries as I did not authorize any credit applications with XXXX  XXXX on these dates. These entries are entirely spurious and must be corrected without delay. 

XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Nature of Dispute : Unauthorized Inquiries Explanation : These inquiries by XXXX were not sanctioned by me, and their presence on my credit report is both erroneous and injurious. I request their immediate removal. 

Enclosed with this letter, you will find a copy of my identification along with documentation highlighting the unauthorized inquiries. Moreover, I have included a copy of the FTC Identity Theft Report ( No. XXXX ) and the associated police report ( No. XXXX ) to substantiate my claim that these inquiries are the result of identity theft.I trust that your esteemed team will handle this matter with the urgency and diligence it warrants. 

The expeditious removal of these inquiries is not only a matter of accuracy but also a critical step in restoring the integrity of my credit standing.Thank you for your prompt attention to this pressing issue.Yours sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Law Firm of Karl Frankovitch
State: CO

Complaint narrative:
This account was sold to the consumer in question this account was paid for in full by the state of XXXX XXXX XXXX which means it can't be paid twice by law I'm protected also by law I didn't give permission for XXXX to advertise it on this account also protected by law this is a form of identity with both parties for not getting permission

Company response to consumer: Untimely response
Consumer complaint received 2024-08-11 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Collection account 1. XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX mos ) 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX mos ) has violated my rights. 
I looked at my transUnion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. 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 information 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 non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Account # XXXX XXXX XXXX XXXX and Experian and XXXX keep posting inaccurate information on my credit report. I have asked them to fix the problem or delte from my credit report. Fair and accurate, and my credit report isn't accurate. This is my fourth or fifth time asking for this to be fixed.

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 2024-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: OR

Complaint narrative:
I have been trying to change my password information for several months but in order to change my password this company requires that I be sent a code to my phone. They have an old phone number on file so I can not receive the code. I have called to have mycurrent number added and they have said that the number has been updated but no change has been made so I can not log into my account to pay off the loan. I want them to update my phone number info but they are not complying with my requests.

Company response to consumer: Closed with non-monetary relief