vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 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: GA

Complaint narrative:
Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account XXXX : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : XXXX  Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries 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 2023-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX from XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

15 U.S.C 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: GA

Complaint narrative:
Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXXXXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries 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 2023-10-08 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: GA

Complaint narrative:
Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account XXXX : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: OK

Complaint narrative:
I was a victim of identity theft I requested a copy of my credit report and when I received my report I was shocked to see some accounts that didnt belong to me so I immediately contacted my bank to freeze all my 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 2023-10-09 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: OK

Complaint narrative:
I was a victim of identity theft I requested a copy of my credit report and when I received my report I was shocked to see some accounts that didnt belong to me so I immediately contacted my bank to freeze all my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, XXXX XXXX  has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

15 U.S.C 1692b acquisition of location information by debt collectors.

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 2023-10-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, XXXX XXXX  has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

15 U.S.C 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX from XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

15 U.S.C 1692b acquisition of location information by debt collectors.

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 2023-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
Re : Dispute of Inclusion of Certain Information in My Consumer Report - FCRA 1681a Exclusion Dear Sir/Madam, I am writing to dispute the inclusion of specific information in my consumer report, as allowed under the Fair Credit Reporting Act ( FCRA ), Section 1681a, Exclusion ( A ) ( i ). This section of the FCRA stipulates that the term " consumer report '' does not include certain types of information. I believe that the information currently appearing on my credit report falls under this exclusion and should be removed. 

The information in question pertains to transactions or experiences solely between myself and the reporting entity. According to the FCRA, this type of information should not be considered a part of my consumer report unless subject to Section 1681s3 of the FCRA. 

Specifically, I am disputing the following information on my credit report : BestEgg Late Payment Status I maintain that this information is solely related to transactions or experiences between myself and the reporting entity. It should be excluded from my consumer report in accordance with the FCRA 's Section 1681a, Exclusion ( A ) ( i ). 

I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions. Please remove the disputed information from my consumer report or update the disputed information to Paid on time /never late and provide me with a revised copy of my credit report that accurately reflects the exclusion as specified in Section 1681a, Exclusion ( A ) ( i ) of the FCRA XXXX 

I appreciate your attention to this matter and your compliance with the FCRA 's guidelines regarding the exclusion of certain information from consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
In XX/XX/2023 I was called by Mr cooper loan 's in regards to my loan payment status. I normally pay it on the XXXX of every month since I don't get paid on the first of the month and it can be somewhere within the first week or so when I do get paid. I do not have direct deposit so when I get paid it takes a day or two for the funds to become available. During this call they said it was their new policy to call you if you don't pay it by the XXXX of the month. I have a grace period until the XXXX and after the XXXX I get a late fee. I feel as this is standard. I asked if there was any way I didn't have to be called and told the story and I was told no, there was nothing I could do. I have never made a payment after the XXXX and never missed a payment in over a year and a half. During the first call I was asked if I was planning on buying another home or moving because I had " perfect payment history ''. This month I was called again. On XX/XX/2023 I missed the call that they sent and they left an automated voicemail asking if I was who has the loan and to press 1 for yes and 2 for no. The next day ( XX/XX/2023 ) i got another call that also went to voicemail because I was busy with my wedding that day. It was the XXXX so I knew I was paying it that day. I paid the monthly payment and then called back the number that was listed on the voicemail. Upon calling the number and entering the verification number that was in the voicemail I was notified that I was delinquent on my payment and that I had XXXX hours to clear it up. It then asked if I had paid it already or not. Next automated statement asked how much I paid. The whole time the system said in the call and in the voicemail that it was Mr. Cooper and that they are a debt collection company. It came up on my phone as Mr. Cooper loans. I think it is very predatory to do this when you have a grace period and tell whoever that they need to pay or else. This is not right especially since my loan was bought out from my other lender. I didn't go searching for this company and I didn't have a say in if my loan was sold or not. Based off the reviews online this is not the first time the loan holders have been taken advantage of by Mr. Cooper/ Nationstar. I shouldn't feel like I'm a criminal and a terrible loan holder for using the grace period that every other loan company gives. I am thinking about getting lawyers involved due to the predatory tactics and harrassment. I feel as if I am stuck with where the interest rates are now. I have a mid two percent interest rate and I could not get that anywhere else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$5200.00}. 

By not replying in a timely manner to my initial letter on XX/XX/2023, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 

I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX from XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

15 U.S.C 1692b acquisition of location information by debt
collectors.

Company response to consumer: Closed with non-monetary relief