vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Incorrect Address Information on My Credit Report Dear XXXX, XXXX, & Transunion, I am writing to dispute the accuracy of personal information recorded on my credit report. Upon reviewing my credit report, I have identified addresses that are not associated with me and are incorrect. These addresses are as follows : XXXX. XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX At this moment, I request that these addresses be removed from my credit report as they are inaccurate and do not reflect my accurate personal information. Under the Fair Credit Reporting Act ( FCRA ), I can only have accurate and verified information reported on my credit file. 

I believe these incorrect addresses may be a mistake or a sign of fraudulent activity on my account. As such, I am concerned about the potential for identity theft and request that you thoroughly investigate how these addresses were associated with my credit report. 

I am attaching copies of documents that verify my current address and identity, which include : - A copy of my driver 's license showing my current address. 
- A utility bill in my name for the past month as proof of residence. 

I kindly request that [ Credit Bureau Name ] take prompt action to investigate and remove the inaccurate addresses from my credit report. Additionally, I would appreciate a written confirmation sent to me once these corrections have been made. 

Should you require further information or documentation to assist with your investigation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to correct my credit report and uphold the accuracy standards set forth by the FCRA. 

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 non-monetary relief
Consumer complaint received 2024-02-26 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XX/XX/24 Subject : Dispute of Incorrect Address Information on My Credit Report Dear Experian, XXXX, & XXXX, I am writing to dispute the accuracy of personal information recorded on my credit report. Upon reviewing my credit report, I have identified addresses that are not associated with me and are incorrect. These addresses are as follows : XXXX. XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NY XXXX At this moment, I request that these addresses be removed from my credit report as they are inaccurate and do not reflect my accurate personal information. Under the Fair Credit Reporting Act ( FCRA ), I can only have accurate and verified information reported on my credit file. 

I believe these incorrect addresses may be a mistake or a sign of fraudulent activity on my account. As such, I am concerned about the potential for identity theft and request that you thoroughly investigate how these addresses were associated with my credit report. 

I am attaching copies of documents that verify my current address and identity, which include : - A copy of my driver 's license showing my current address. 
- A utility bill in my name for the past month as proof of residence. 

I kindly request that [ Credit Bureau Name ] take prompt action to investigate and remove the inaccurate addresses from my credit report. Additionally, I would appreciate a written confirmation sent to me once these corrections have been made. 

Should you require further information or documentation to assist with your investigation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to correct my credit report and uphold the accuracy standards set forth by the FCRA. 

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 2024-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Subject : Dispute of Collection Account and Violation of Consumer Rights XXXX XXXX, I am writing to formally dispute the collection account that has been placed on my consumer report by the Collection Agency. I believe that the Collection Agency has violated several laws and regulations, as outlined below : 1. Collection Agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before placing the collection on my consumer report.

2. I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ).

3. The Collection Agency is using false, misleading, and deceptive means, which violates my consumer rights. 4. The Collection Agency has no authority to furn
ish any account to consumer reporting agencies without providing all required disclosures, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In this dispute letter, I want to make it clear that I am disputing owing any debts to the Collection Agency. Furthermore, I am revoking all rights for the Collection Agency to communicate with me through email, text, or calls.

I am requesting the following information from the Collection Agency : 1. Debt validation for the alleged debt.
2. The purchase agreement between the Collection Agency and the original creditor.

3. Proof of the Collection Agencys licensing and bonding.

I expect a prompt response from the Collection Agency regarding this dispute and the requested information. Failure to comply with the relevant laws and regulations will result in further action to protect my consumer rights. 

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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was alerted by Experian and XXXX XXXX stating that there is a hard inquiry on my credit report today XX/XX/2024. I called Experian to dispute the inquiry and also called XXXX XXXX to dispute the inquiry and put a note on my account that I am not applying for a new credit card.

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 2024-02-26 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:
I sent a letter on XX/XX/year> to XXXX. Here is my tracking number.. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) & ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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:
XXXX Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have XXXX  days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more then XXXX days still no update so NO investigation was done. This a violation of my right delete these account immediately From XXXX NO NOTICE OF DISPUTE was entered so no investigation was done to my credit delete immediately for this violation. 

XXXX XXXX XXXX # XXXX FDCPA Section 807 ( 8 ) 807.

False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Incorrect Address Information on My Credit Report Dear XXXX, Equifax, & XXXX, I am writing to dispute the accuracy of personal information recorded on my credit report. Upon reviewing my credit report, I have identified addresses that are not associated with me and are incorrect. These addresses are as follows : XXXX. XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX At this moment, I request that these addresses be removed from my credit report as they are inaccurate and do not reflect my accurate personal information. Under the Fair Credit Reporting Act ( FCRA ), I can only have accurate and verified information reported on my credit file. 

I believe these incorrect addresses may be a mistake or a sign of fraudulent activity on my account. As such, I am concerned about the potential for identity theft and request that you thoroughly investigate how these addresses were associated with my credit report. 

I am attaching copies of documents that verify my current address and identity, which include : - A copy of my driver 's license showing my current address. 
- A utility bill in my name for the past month as proof of residence. 

I kindly request that [ Credit Bureau Name ] take prompt action to investigate and remove the inaccurate addresses from my credit report. Additionally, I would appreciate a written confirmation sent to me once these corrections have been made. 

Should you require further information or documentation to assist with your investigation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to correct my credit report and uphold the accuracy standards set forth by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have three open credit cards with company. All have a XXXX balance and was never late. 
not all accounts are being reported and a XXXX balance is being reported on one. 
All credit agencies need to be updated with the correct information.

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 2024-02-26 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: CA

Complaint narrative:
I have three open credit cards with company. All have a XXXX balance and was never late. 
not all accounts are being reported and a XXXX balance is being reported on one. 
All credit agencies need to be updated with the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
On, XX/XX/2024 {$800.00} XXXX  ATM did not dispense money but took it from my Cash App account. I immediately called the number on the ATM they said to call my bank. I called my bank ( Cash App ) but the representative kept trying to treat it as a regular transaction from a store. what I said to both of them was '' the atm spit my card out like it was going to say please take your money but it didn't instead the atm said system error and reset itself. '' The next morning I immediately went to the bank where the atm was and they said they couldn't help I had to call my bank. It was freezing outside I waited there for about XXXX min after the atm finished loading and it still didn't dispense any money. On XXXX XXXX 2024 I received an email from my bank stating my dispute had been denied for documents contact support. On XXXX 2024 I contacted support they replied wanting info on the dispute i sent it and still have not received the documents. Since XXXX XXXX 2024 I have called and chatted with support a few times to get the same results. So now my account is negative. And I am out {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX , this is not a third party filing this dispute. I have notice several Violations on my consumer report be done by the following credit reporting agencies. Experian, XXXX and XXXX. This is a major violation of the FCRA and I demand that these inaccuracy be remove and updated Immediately. Please see attached documentation.

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 2024-02-26 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: MD

Complaint narrative:
XXXX XXXX shows Excellent approval ratings for a loan with XXXX so I took the offer for pre-approval, then applied and I was " approved '' The loan provider XXXX then requests a bunch of documentation ( All of which supported my loan application details and then they said my loan was denied, I could apply again in 30 days, and that I could not discuss why after providing all of this personal documentation that my loan was denied. 

Typically, once you get to the point of needing to provide physical documentation. - You're contacted by the loan provider if something on your documentation or in your banking that you've provided is incorrect - They did not do so. I called and they said there's nothing they can do for 30 days. 

Process : 1. XXXX  XXXX shows excellent odds 2. I click take offer 3. I go to the website and it says submit your application with no impact to your credit 4. I get my loan terms and rate 5. If you accept, we will run a credit check 6. Asks for documentation to be provided to recieve funds 7. Application denied based on their 4-tier factors Of those factors, all 4 can be found via credit consumer reports - The reports they used during both the XXXX XXXX soft pull and then the XXXX soft pull. This inquiry should be removed and their practices should be investigated. Telling people that " Checking doesn't impact credit score ''. on two occasions and then denying a loan after two seperate checks without explanation seems like a way to have people apply over and over for the purpose of potentially being able to get a loan out to someone with millions likely racking up inquiries based on this.

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 2024-02-26 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: Avant Holding Company, Inc.
State: MD

Complaint narrative:
XXXX XXXX shows Excellent approval ratings for a loan with AVANT so I took the offer for pre-approval, then applied and I was " approved '' The loan provider AVANT then requests a bunch of documentation ( All of which supported my loan application details and then they said my loan was denied, I could apply again in 30 days, and that I could not discuss why after providing all of this personal documentation that my loan was denied. 

Typically, once you get to the point of needing to provide physical documentation. - You're contacted by the loan provider if something on your documentation or in your banking that you've provided is incorrect - They did not do so. I called and they said there's nothing they can do for 30 days. 

Process : 1. XXXX  XXXX shows excellent odds 2. I click take offer 3. I go to the website and it says submit your application with no impact to your credit 4. I get my loan terms and rate 5. If you accept, we will run a credit check 6. Asks for documentation to be provided to recieve funds 7. Application denied based on their 4-tier factors Of those factors, all 4 can be found via credit consumer reports - The reports they used during both the XXXX XXXX soft pull and then the AVANT soft pull. This inquiry should be removed and their practices should be investigated. Telling people that " Checking doesn't impact credit score ''. on two occasions and then denying a loan after two seperate checks without explanation seems like a way to have people apply over and over for the purpose of potentially being able to get a loan out to someone with millions likely racking up inquiries based on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: MD

Complaint narrative:
A debt was attempted to be collected, and a validation notice was requested on XX/XX/XXXX. The notice was not received until XX/XX/XXXX. The debt was marked as " unpaid tuition '' but when collecting information about the debt, I discovered it was medical debt for a vaccination. When this information was disclosed to the debt collector, no attempt was made to reclassify the debt correctly, which in turn changes legal guidelines about collecting that type of debt.

Company response to consumer: Closed with explanation