vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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

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 2024-09-12 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: NV

Complaint narrative:
*Company name CLARITY did a soft pull on my credit report multiple times on : XXXX AND XXXX AND XXXX I did not initiate any transaction or relationship with CLARITY that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. CLARITY willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. 

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: MO

Complaint narrative:
I applied for a credit card with my bank. It was denied, with the reason being " insufficient credit file. '' It said I could get a free credit report from Experian , Inc. 
Then the HELLISH NIGHTMARE began. Over the next week, I could not open an account on Experian 's website. I tried everything. It was a maddening, insane experience. The next week I started calling their toll free number. I would wait upwards to a half hour each time I called. All during each call a voice would say that it was only a " XXXX minute wait. '' That, of course, was complete nonsense and BS. After a week of calling, I finally reached someone. She was extraordinarily unhelpful. She did say, finally, that I could use the U.S. Mail and mail in proof that I exist ( for the record, I do ). 
I mailed Experian the following documents and information : Missouri drivers license XXXX XXXX utility bill Missouri Bar license Kansas Bar license Department of Veterans Affairs identification card XXXX XXXXXXXXXXXX XXXX statement XXXX XXXX XXXX statement Full legal name : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( please note XXXX Ive lived XXXX this address continuously for XXXX XXXX & Ive never missed or was late for any monthly rental payment ) Phone No. : ( XXXX ) XXXX Experian 's Report Nos. are XXXX and XXXX I eventually received in the mail a nonsensical response. It stated, in part, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary matter, we have not taken any action.... ). 
Please note. Experian 's website has a prominent section stating how to send this dispute by mail to them, and stated to send in the documents and information I listed herein. Also, the most unhelpful lady I spoke to on the phone told me to do this too. It was a completely futile undertaking. 
This company should not be in business. It is in complete violation of federal law, making it short of impossible to request anything from them, and does nothing but respond in nonsensical ways. I ask that their credit issuing license, or whatever, be suspended. The company engages in outrageous and unconscionable behavior as a matter of established practice.

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 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC
State: GA

Complaint narrative:
I currently have a closed MERCURY XXXX account thru XXXX XXXX  XXXX XXXX that I am currently paying on. Before the account was closed the credit limit was {$2500.00}. On XX/XX/XXXX the company offered me a settlement amount of {$1100.00} where the rest of the balance that was owed would be canceled and I accepted this offer. Since that time and up until now, I've paid {$340.00} towards this settlement amount which would make the current balance owed {$810.00}. Unfortunately this company continues to falsely report an inaccurate balance of {$2300.00} instead on all three credit bureaus even after I've called them twice to correct this issue. 

I've also disputed this account on several occasions this year with XXXX, XXXX, and XXXX to correct inaccurate errors pertaining to the payment history for this account and each time some of the same errors still exist. The payment history for this account is still inaccurately reporting that for XX/XX/XXXX and XX/XX/XXXX that I was 60 days late. XX/XX/XXXX was paid on time under the payment agreement! Then XX/XX/XXXX inaccurately shows me as 90 days late yet I paid on time for that month. Then again XX/XX/XXXX is being reported as 60 days late. The payment history that is being reported across all three bureaus is inaccurate because it doesn't follow the 30, 60, 90, 120 day sequence. 

I am demanding that the balance for this account to be updated to {$810.00} and that the payment history be fixed across all three credit bureaus or delete this account from my reports immediately. In the event that this account isn't corrected or deleted across all three bureaus then I will retain an FCRA lawyer and seek damages. I'm fully aware that this account is in violation of 15 USC 1681 s-2 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : FCRA Violation Failure to Update Account Information Dear TransUnion, I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) concerning the failure to accurately update my account information on my credit report. 

My details are as follows : I have identified the following issues with my credit report : XXXX. XXXX XXXX account Information is inaccurate. That account was fully paid off on XXXX with a {$0.00} balance and your company has failed to update it. I already spoke with Submit about this account that they have already submitted to your company. Your company states that you update information everyday.

Under the FCRA, you are obligated to ensure that the information you report is accurate and kept up to date. The failure to update this information is a direct violation of my rights as a consumer.

I request that you take immediate action to : 1. Investigate the inaccuracies in my credit report.

2. Update my account information to reflect the correct status.

3. Provide me with written confirmation of any changes made.

I appreciate your prompt attention to this matter and look forward to your response within 10 days if not corrected I will pursue legal action.

Thank you for your cooperation. 

Sincerely,

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate and not updated correctly and removed. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 
Experian*** Account Name : XXXX XXXX Account NumberXXXX Card Monthly Payment {$25.00} OpenedXXXX Date Closed -- Date Closed -- Balance {$620.00} XXXX ** XXXX XXXX Account NumberXXXX Card Monthly Payment {$25.00} OpenedXXXX Date Closed -- Date Closed -- Balance {$620.00} XXXX XXXX  XXXX Account NumberXXXX Card Monthly Payment {$25.00} OpenedXXXX Date Closed -- Balance {$310.00} Balance {$0.00} XXXX XXXX  Account NumberXXXX Monthly Payment {$0.00} Date OpenedXXXX Date OpenedXXXX  High Balance {$580.00} ExperianXXXX XXXX Account NumberXXXX Monthly Payment {$0.00} Date OpenedXXXX Date OpenedXXXX High Balance {$580.00} XXXX Not reporting XXXX Account Name : XXXX XXXX Monthly Payment {$0.00} Date OpenedXXXX Date Closed -- XX/XX/2023 Balance {$0.00} High Balance {$470.00} ExperianXXXX  Account Name : XXXX XXXX Monthly Payment {$0.00} Date OpenedXXXX Date Closed -- XX/XX/2023 Balance {$0.00} High Balance {$580.00} XXXX Account Name : XXXX XXXX Monthly Payment {$0.00} Date OpenedXXXX Date Closed -- XX/XX/2023 Balance {$0.00} High Balance {$580.00}

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 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Requested validation of the debt from the original creditor XXXX XXXX XXXX XXXX to which now MERCHANTS & MEDCAL the debt buyer have been reporting the open account open and active since the purchase to which XXXX XXXX XXXX XXXX have charged off and closed the account prior selling it to MERCHANTS & MEDCAL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint against Lockhart Morris & Mongomery for their improper handling of a payment coupon I submitted, which included a restrictive endorsement. I believe their actions have violated my rights and disrupted the proper application of my payment toward an outstanding debt. 

-Payment Coupon Details : The payment coupon I submitted contained a restrictive endorsement, which stated it should be treated as a bearer instrument and applied accordingly. This coupon was destroyed by the debt collector and the terms of the restrictive endorsement were disregarded. 

Summary of Complaint : - The restrictive endorsement on the payment coupon included specific instructions on how the payment should be applied to my principle balance with them. 
- Upon receiving confirmation of receipt of the payment, I learned that the debt collector had destroyed or failed to apply the payment according to the terms outlined in the endorsement. 
- I have contacted the debt collector to resolve this issue, but they have not acknowledged their improper actions or provided a satisfactory resolution. 

# # # Requested Action : - **Immediate investigation** into the handling of my payment by [ Debt Collectors Name ].

- **Written confirmation** from [ Debt Collectors Name ] that the payment will be applied according to the terms of the restrictive endorsement, and that any destruction of the payment coupon will not affect my account. 
- **Assurance** that similar actions will not occur in the future, and that any damages caused by the mishandling of this payment will be corrected.

I believe [ Debt Collectors Name ] has violated my rights under [ applicable law, such as the **Fair Debt Collection Practices Act ( FDCPA ) **, if relevant ] by failing to properly apply my payment and destroying a legally valid payment coupon. I am requesting your offices assistance in resolving this matter.

Legal Violations by the Debt Collector : XXXX. Failure to honor a restrictive endorsement under the UCC, which legally bound them to follow the terms on the payment coupon. 

XXXX. Unfair or deceptive debt collection practices** under the FDCPA and potentially the CFPA if the destruction of the coupon was an attempt to mislead or deny your payment. 

XXXX. Breach of contract if the debt collectors handling of the payment violates the terms of the agreement or your submitted payment terms. 

XXXX. State law violations if your state has additional protections against improper handling of negotiable instruments or unfair debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-09-12 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: FL

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-12 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:
Someone made applications using my name that I dont recognize or authorize, which has led to these companies pulling my credit report and damaging my credit score. I reached out to the bureau, and a representative assured me that these inquiries would be removed, but theyre still showing up. This ongoing issue is adding unnecessary stress to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief