vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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:
As of, XX/XX/year>, I have published to the public records a Copy Right Notice of my Name, Estate, and personal private information to be private. I never gave this company permission to furnish or sell any of my personal private information. I have already disputed the matter with CFPB about the volition of my private information being furnished, without my permission and the issue still has not be resolved. The damages this company is causing are not allowing me to utilize my consumer credit because of all of the inaccurate reporting. This company is committing Fraud and Copy Right infringement and shall resolve this issue without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
See the attached Cease & Desist that has been sent to XXXX XXXX XXXX., which refuses to abide by the laws they are governed by.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
See the attached Cease & Desist that has been sent to XXXX XXXX XXXX., which refuses to abide by the laws they are governed by.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX  card on XX/XX/year> appears on my credit File with XXXX in which i did not apply or ever had. 

XXXX has done fraud and cause me damage in my score with a hard Inquiries as shown on my credit file. 

Proof of who applied How they applied Hard Inquirie by XXXX with out my consent On credit file - REASON : UNSPECIFIED state what why or applied for or use of the credit transaction for credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
XXXX  card on XX/XX/year> appears on my credit File with XXXX in which i did not apply or ever had. 

XXXX has done fraud and cause me damage in my score with a hard Inquiries as shown on my credit file. 

Proof of who applied How they applied Hard Inquirie by XXXX with out my consent On credit file - REASON : UNSPECIFIED state what why or applied for or use of the credit transaction for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: CA

Complaint narrative:
There was a credit inquiry on my report that I did not authorize. This inquiry happened on XX/XX/year> by XXXX XXXX XXXX. I did not authorize this inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
the date was XX/XX/XXXX, at XXXXXXXX XXXX. The amount was {$190.00}, and from the date XX/XX/XXXX to XX/XX/XXXX, I have only received one refund of the two duplicates. 

In accordance with the natural processing of situations like this, I repeatedly filed dispute claims to no avail ( excluding the one time I was refunded, after being refused.. ). To this day, though there was one refund that was sent, the second duplicate has not yet received that level of attention. Attached below are some documents that I was sent to provide some insight on how this outcome was determined, however, these documents are only summaries of the transaction and not a detailed reasoning as to why I was refunded for one duplicate but not the other.. I have also included screenshots of emails sent to of when I did receive the initial refund that was aforementioned in the beginning of this paragraph, but even when referencing this duplicate I received no further communication or assistance with understanding as to why we have the different results for the same transaction that was not handled individually..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information to my Experian Credit report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : 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 Under Federal Law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I looked over my credit file and account need to be removed Navy FCU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I have federal student loans serviced by MOHELA. Several years ago before my servicer was changed to MOHELA, I submitted paperwork to waive any and all deferments or forbearance and ensure that every month would count towards PSLF. MOHELA apparently lost this paperwork in the transfer, and I had to spend several months and complains with the CFPB to get it fixed. I was finally assured that my paperwork was once again in place so that any forbearance or deferments would be removed and that every month would count towards PSLF both retroactively and in perpetuity unless I explicitly requested otherwise. 

However, in XXXX of this year I once again received notification that I was taken out of the income based repayment plan I've been on and placed into forbearance. I did not request this and it is contrary to the paperwork I previously submitted. MOHELA has not even responded to my numerous attempts to contact them to fix this egregious error that has gone of for 3 months now. 

MOHELA needs to immediately put me back on the income based repayment plan, retroactively remove any forbearance and/or deferments on my accounts, retroactively apply credit towards PSLF for any months I was incorrectly in forbearance or deferment, and fix whatever problem is preventing them from keeping my waiver in place as they should be. 

I have expressly given MOHELA permission to share my information with the CFPB and communicate about this issue. Any response that claims they can not do so means that they have not actually read the information in this complaint and are once again failing to do the most basic tasks of their job as a loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
Under, 15 U.S Code 1681 ( 5 ) ( B ) ( ii ) ( iii ) ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

( ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Ill ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I was not notified of the reinsertion of these previously deleted items within a 5 business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report XXXX  - This account is being reported inaccurately, please remove this from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have made payments on the account and they continue to call my cell phone, FIVE times per day. If I answer it, it is automated, so why bother answering? All the automated system says is to check my account. That's it. I did some research and learned that they are only to call SEVEN TIMES in SEVEN DAYS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Accounts on my credit report are not mine and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: CA

Complaint narrative:
To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with may signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Federal Law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: AL

Complaint narrative:
Upon checking my credit report I notice fraudulent accounts that I didn't authorize. These fraudulent inquiries were not authorized by me and they are in violation of my FCRA rights. 

These are the following inquiries : 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 2024-10-13 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-13 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I reached out to dispute this as I do not recognize this debt. I asked them to verify this is my debt, which they did not. I do not believe this debt is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone Number : XXXX XX/XX/year> Debt Recovery Solutions XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Debt - Account Number : [ XXXX ] Dear Sir or Madam, I am writing to formally dispute the validity of the debt you are attempting to collect related to The XXXX XXXX XXXX This account was previously deleted from my credit report due to identity theft, which I have reported to the relevant authorities. 

It is concerning that this account has suddenly reappeared on my credit report after being removed. This may violate the Fair Credit Reporting Act ( FCRA ), which requires that accurate and complete information be reported, and that consumers not be subjected to double reporting of debts, commonly referred to as double dipping. The practice of reselling debt that has been previously charged off and reported as removed raises serious legal and ethical issues. 

Under FCRA Section 605 and FDCPA Section 1692e, consumers are protected from deceptive practices, including the re-reporting of accounts that have been properly disputed and verified as fraudulent. I believe that your collection efforts on this account violate these federal laws. 

As such, I demand that you provide validation of this debt, including proof that I am responsible for it, and that you cease all collection activities until such validation is provided. 

Thank you for your immediate attention to this matter. I expect a prompt response confirming that this account will be removed from your records, as it should not have been reported again. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
XXXX on my credit report # XXXX XXXX XXXX Experian has Inquiries that i did not apply for under REASONS ; Experian states UNSPECIFIED in which what or was applied for type or reson on the hard Inquiries. 

XX/XX/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 explanation