vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-20 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: GA

Complaint narrative:
XX/XX/2024 & XX/XX/2024 Mailed Statements from Discover are not providing Return Envelopes. Other Banking and Credit organizations do. Return Envelopes help stream-line the payment process. The information on the back of Discover Statements indicate that a Return Envelope is provided with the coupon to identify your account so that one 's payment is accurately placed. I do not know why Discover would indicate a return envelope and then not provide such a envelope to assist customers with easing the payment process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. 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 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least five days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within 30 days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. also according to XXXX it states the debt collector is not registered to collect alleged debt in the state, please see attachment below. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Allies for Community Business
State: IL

Complaint narrative:
I am writing to express my deep dissatisfaction and file a formal complaint regarding my loan application experience with Allies for Community Business. 

During the course of the application process, I encountered numerous obstacles and delays that were both unwarranted and discriminatory. Allies for Community Business continuously claimed that my application was incomplete, even though I diligently provided all the required documentation as requested. Despite my repeated efforts to rectify any perceived deficiencies, I was forced to resubmit the same documentation multiple times. 

It is evident that this protracted and repetitive process was intentionally designed to discourage my loan application. Such actions, when motivated by a desire to selectively deny funding to certain individuals or businesses, constitute clear discriminatory practices. I firmly believe that Allies for Community Business violated Regulation B, which protects applicants from discrimination in any aspect of a credit transaction. 

I have gathered a substantial amount of documentation and email correspondence that supports my position. These records provide a clear record of the undue challenges and discriminatory treatment I faced throughout the application process. I am prepared to present this evidence to the appropriate authorities as necessary. 

I find it deeply disappointing that an organization like Allies for Community Business, which claims to support and empower small businesses, would engage in such discriminatory behavior. As a responsible member of the community, I expect fairness, transparency, and equal treatment when seeking financial assistance. 


Please be advised that I am prepared to pursue all available legal avenues to ensure that justice is served. I trust that Allies for Community Business will take this matter seriously and make the necessary changes to prevent such discriminatory practices in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Payfare International Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my card was charged XXXX I did not authorized this charge. I informed the company that my card and phone was lost/stolen and they begging to inform me that it is my fault my items were stolen and that they cant issue me a refund for the unauthorized charged. I contact payfare international known as dasher direct several times and they begin to ignore me. I never received any responses back. They begin to be rude to me and hang up the phone on me and stop responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, Equifax I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING THESE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATION OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, EXPERIAN, XXXX I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING THESE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATION OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened this account with Capital One in XXXX. Since then I have made 100 % of my payments. Earlier this month, XXXX, I linked my savings account to the Capital One account so that I could automate my payments to just pay off my balance every month. This account has more than enough funds for these small payments. On XX/XX/XXXX a payment from my savings account for {$100.00} was posted to the Capital One account. Everything seemed fine. However, on XX/XX/XXXX that payment was reversed without a reason or a notice. I thought maybe I entered my account information wrong or maybe it was my bank. So I double checked my account and routing info ( which was correct ) and called my bank to make sure all payments to Capital One were authorized, and they confirmed. On XX/XX/XXXX another payment for {$170.00} was posted to my Capital One account. Everything was once again fine. My balance updated and the available credit was pending. However, the payment was reversed on XX/XX/XXXX with no explanation and no notice. After this second reversed payment Capital One closed my account. I called them and asked why but the representative could only tell me that the account, not the cardholder specifically, violated some policy that he could not elaborate on. So now I have a closed account with Capital One with a current balance of {$180.00} with an incoming payment from my debit card for {$68.00}. I attempted to just apply for another account with Capital One but was denied, despite my 100 % payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-03-20 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: TX

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Date of inquiry : XXXX Account name : XXXX XXXX  Date XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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