vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have received phone calls on my personal cell phone from Ally Financial , Inc. ( " Ally '' ) every weekday morning for the past two weeks. Ally is calling to collect on a debt owed by someone who I do not know and have never interacted with. Each time they have called, I have told Ally that they have the wrong number and that I do not know the person they are trying to reach. I have also requested multiple times that Ally stop contacting me because I am not the person that they are trying to reach. Further, I do not have a bank account with Ally Bank and have never utilized any of the financial or lending services offered by Ally Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hello, I never received my original contract with my wet signature and I never signed a contract with XXXX XXXX  XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached 2 pieces of information for proof of my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a {$500.00} electronic gift card from Macys from a relative. Since I preferred having a physical card that I could keep in my wallet, I went to my local XXXX, VA XXXX and asked them to convert the electronic card to a physical card. After much reluctance on Macy 's part, they did not. 

However, a few weeks later, I tried to use the new physical card but was told that it had a XXXX balance. I also checked the balance of the old electronic gift card and it also had a XXXX balance. Therefore, the staff at the XXXX, VA store - due to fraud or negligence - lost the entire {$500.00} amount during the conversion process. 

I have called Macy 's multiple times but the representatives said they could not help. Instead, they referred me to an email address. After a delay of nearly two months, I received an email cryptically saying that Macy 's can not help with this matter. There was no explanation or discussion and no way to further contact Macys about this matter. 

Macy 's owes me {$500.00} and I intend to pursue all legal remedies to recover that amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

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 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC
State: NY

Complaint narrative:
No validation notice was sent to address violations of FTCPA QUALITY ASSET RECOVERY Was already disputed and remove from XXXX XXXX credit report. Sending me a pass due amount of {$5200.00} thats have been already resolve due to code violation report number XXXX on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I bought a new XXXX in XXXX of 2022 My payment that I agree to was {$830.00} a month. 
As a requirement by the bank I needed to have insurance. 
I provided insurance on the XXXX 
They also added insurance on the XXXX that I wasn't aware of and I wasn't notified. 
I noticed on my credit report that the amount was going up and the payment amount was higher than the signed agreement. 
I reached out to the bank and asked them why. 
They told me that I needed insurance and I provided it. 
I disputed the information on my credit report and it was un changed.

I want it corrected on my report immediately. 
I wasn't in the wrong and I shouldn't have to suffer as a result of someone else 's mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXDEPT OF ED, XXXXDEPT OF ED, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/DEPT OF ED, XXXXDEPT OF ED, 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 explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
On XX/XX/XXXX, I applied for an auto loan with XXXX XXXX XXXX through XXXX XXXX XXXX Imports dealership. I make it very clear to them that I did not want my credit ran through any other companies. Somehow, my credit got ran at XXXX XXXX XXXX which, again, was against my wishes and instructions. 

On XX/XX/XXXX, the dealership provided me with a letter addressed to Experian asking them to remove the inquiry from XXXX XXXX as it was " inadvertently sent to XXXX XXXX on XX/XX/XXXX, in error. '' I then wrote to Experian on XX/XX/XXXX, asking them to remove the unauthorized inquiry and provided them with a copy of the letter I had been given by XXXX XXXX. As of todate, the inquiry has not been removed. I have followed up with the dealership and they are at a loss of how to resolve this. 










wrote to Experian and informed them that there were two inquires on my credit report that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/2023 {$760.00} was taken out of my Chime account because someone purchased a motorcycle. Apparently the motorcycle company was a scam because I called them and the number didnt exist. I made chime aware of all this and asked for my back. Chime refused and denied my dispute. I told them im a XXXX XXXX and that money was to help me get a car. When i asked for the investigation paperwork, i was give forged documentation by CHIME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NE

Complaint narrative:
Specialized Loan Servicing is a predatory lender who has constantly used servicing practices to harass and disadvantage me so they can force me out of my house. 

I am : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  Veteren XXXX XXXX The company had a representative come to my house and XXXX XXXX me, calling me " a XXXX, XXXX  XXXX. '' Video included. 

After complaining they said they were not responsible, yet they use constant tactics to force me into foreclosure as a predatory lending company. 

I am reporting claims of discrimination and abuse as a XXXX, XXXX, XXXX veteran and XXXX. 

Multiple previous complaints to both the CFBP and Nebraska Department of Banking and Finance Regulation demonstrates a pattern of discrimination and predatory practices starting in the years prior to the pandemic and continuing throughout. 

I ask that CFBP scrutinize Specialized Loan Services discriminatory practices that amount to constant microaggressions in servicing practices including charging me and carrying over a fee called a " BPO '' which was not paid by housing assistance funds. 

This fee was charged for the visit by the person who called me a " XXXX XXXX  XXXX ''. 
This fee caused my credit score to be impacted over the course of the last 6 months were it was carried. 

SLS violated my civil rights and continues to be a source of mental and emotional distress due to the CONSTANT use of these predatory lending practices. 

Because I am XXXX. 
Because I am XXXX. 
Because I am XXXX Because they want my house! 

And I am not alone! SLS routinely preys on homeowners forcing them into default. 
THIS HAS TO STOP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX and XXXX are reporting very different things on my credit report about account XXXX. I have tried in the past to have this corrected and all I get is invoices in the mail from accounts from an address I never lived at. 
I want this account removed from my credit report for inaccurate information, inconsistent information, and unverified information. As you can see, everyone is reporting something different about the same account. All have different open dates, the balance is different on all of them, the report dates are different on all of them, the active dates are different on all of them, and they all show different payment history. How can everyone be reporting something different about the same verified account? They can all be wrong, but they can't all be right!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX and XXXX are reporting very different things on my credit report about account XXXX. I have tried in the past to have this corrected and all I get is invoices in the mail from accounts from an address I never lived at. 
I want this account removed from my credit report for inaccurate information, inconsistent information, and unverified information. As you can see, everyone is reporting something different about the same account. All have different open dates, the balance is different on all of them, the report dates are different on all of them, the active dates are different on all of them, and they all show different payment history. How can everyone be reporting something different about the same verified account? They can all be wrong, but they can't all be right!

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