vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-06-05 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: MI

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: IL

Complaint narrative:
Ive 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 life and credit health.

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 2024-06-05 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: IL

Complaint narrative:
Ive 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 life and credit health.

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 2024-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I sent a request to Navient for a XXXX XXXX XXXX XXXX. I was sent back a denial because " Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' I have XXXX borrower defense applications with studentaid.gov that were approved. But I have yet to receive any relief because of the consolidation of my loans. 

I consolidated my loans because I could not afford the income driven repayments that were originally set by them. But because of that, I've been denied relief/discharge/refunds associated with both schools that I attended, XXXX XXXX and XXXX XXXX XXXX that have been a part of various court cases that resulted in all receiving full relief that I should be entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: KY

Complaint narrative:
am writing to bring to your attention a matter concerning a fraudulent automotive inquiry associated with my name. Upon reviewing my credit report dated XX/XX/year>, I noticed an inquiry from your institution regarding an automotive transaction that I did not initiate nor authorize. 

This unauthorized inquiry has potentially negative implications on my credit profile, and as such, I kindly request that you remove it promptly from your records. 

Please note that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that consumers be protected from identity theft and fraudulent activities related to their credit information.

I trust that you will handle this matter with the urgency and attention it deserves. Your cooperation in promptly rectifying this issue will be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the fraudulent inquiry 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 explanation
Consumer complaint received 2024-06-05 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: KY

Complaint narrative:
am writing to bring to your attention a matter concerning a fraudulent automotive inquiry associated with my name. Upon reviewing my credit report dated XX/XX/year>, I noticed an inquiry from your institution regarding an automotive transaction that I did not initiate nor authorize. 

This unauthorized inquiry has potentially negative implications on my credit profile, and as such, I kindly request that you remove it promptly from your records. 

Please note that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that consumers be protected from identity theft and fraudulent activities related to their credit information.

I trust that you will handle this matter with the urgency and attention it deserves. Your cooperation in promptly rectifying this issue will be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the fraudulent inquiry 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 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I took out an advance from XXXX using their XXXX XXXX. I was due to repay on XX/XX/year>. On XX/XX/year> I " chatted '' with XXXX and revoked my authorization for them to withdraw funds from my account or debit card. I was ensured that they would NOT draw funds from my Huntington account ( XXXX XXXX account with my husband, XXXX XXXX ). On XX/XX/XXXX they did, in fact, take the money from my account which caused my account to be overdrawn. I tried reaching out to them to get my funds back but they kept saying they needed to research the matter. I contacted them XXXX times and basically got nowhere. They now claim that they did nothing wrong. 
On XX/XX/XXXX I contacted my bank, Huntington, and filed a dispute. I advised them that the charge was unauthorized and that I had revoked my authorization for XXXX to debit my account. I sent copies of the chat transcripts with XXXX that prove that I did revoke my authorization and that they had the request noted in my account but for some reason it was not adhered to. Huntington supposedly did an investigation and XXXX days later I was sent a letter stating that XXXX XXXX had the right to debit my account. There is a clear violation of Regulation E in this case because as a consumer I have the right to revoke authorization and if that is not adhered to, my banking institution must make things right. Huntington provided me with a provisional credit and they are taking back the credit tomorrow, XX/XX/XXXX. This will cause undue hardship to me as I will need to stop payment on several bills that I need to pay and will accrue late charges. A dispute supervisor with Huntington claimed via phone call earlier today that Regulation E does not cover debit card transactions. According to this website, it most certainly does. I am confused as to why Huntington Bank would be so unaware of federal banking laws and responsibilities, but they apparently are. 
I can not reach a resolution with XXXX XXXX  and I thought it was the responsibility of Huntington Bank to follow Regulation E as it pertains to revocation of authorizations via bank accounts and debit cards. 
To conclude, a consumer has every right to revoke authorization for a company to debit their bank account. I did so a full XXXX days ( XXXX business days ) prior to the unauthorized charge. It was not adhered to and my bank account was overdrawn causing me tremendous stress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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 BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation
State: WI

Complaint narrative:
I am writing to formally dispute the validity of a debt reported by Nationwide Capital Services on my credit file. I sent multiple requests for validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any response from your company.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-05 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: PA

Complaint narrative:
I received an alert from XXXX stating that a new credit inquiry was made on behalf of Equifax Mortgage Services on XX/XX/2024 but I didn't apply for a new mortgage or credit of any kind with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
There are unauthorized inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are unauthorized inquiries on 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 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I got a personal loan from XXXX XXXX XXXX to pay off credit card debt. It was for {$18000.00} and i got the loan XX/XX/XXXX. {$9800.00} dollars went to my credit card with XXXX XXXX XXXX. The rest ( {$8200.00} ) was supposed to pay off a credit card I have with synchrony bank ( XXXX XXXX ). I received a check in the mail for the {$8200.00}, with no instructions. I did a mobile deposit into my bank account with Huntington national bank on XX/XX/XXXX, so I could pay my credit card off online. The check though was made out to synchrony bank, even though it had my name on it. So Huntington bank is now holding the check and will not release the funds to myself or send them back to XXXX XXXX XXXX so a new check could be issued. Huntington bank is labeling this as fraud as the check was made out to XXXX not myself directly. Huntington wants XXXX bank to sign a release form. I talked to a few people at synchrony and they will not sign the form. Huntington also said XXXX could send them a holds harmless letter, or request the funds back thru the issuer of their check. After talking to many people at XXXX XXXX XXXX they will not do either option ( do to legal reasons ). Huntington is stating if one of the 3 options is not done they will hold the funds indefinitely. XXXX is not able to do a stop payment on the check because Huntington " has the money ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Eight Fraudulent accounts unauthorized identity theft : XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX BALANCE {$3.00}, XXXX XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$1000.00}, XXXX XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX, BALANCE {$0.00}, XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE {$2200.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$290000.00}, US DEPT ED XXXX XXXX OPENED XX/XX/XXXX BALANCE {$5200.00}, XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX BALANCE {$910.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$120.00}, XXXX XXXX XXXX XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$500.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX BALANCE $ XXXX addresses connected to fraud never lived there XXXX XXXX XXXX, XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI 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 2024-06-05 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: LA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-05 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: SC

Complaint narrative:
I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: WA

Complaint narrative:
RE : Bankruptcy Dear Transunion, After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from t
he consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts. 

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, Transunion, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). 
An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.

You, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.

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