vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX reports that Citibank is sending them information that the following address is associated with my card account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX However, Citibank is sending them incorrect city name ; the correct city name is XXXX XXXX XXXX Can you make that correction to the data you send XXXX please?

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 2024-10-06 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
MESSAGE TO NFCU : Subject : Dispute of Incorrect Hard Inquiry from NFCU ( XX/XX/XXXX ) I am disputing the hard inquiry from Navy Federal Credit Union on XX/XX/XXXX. I was prequalified for a card, and NFCU disclosed that applying would be a soft pull, not a hard pull. Disclosed that applying will " NOT AFFECT CREDIT SCORE ''. My application was denied, so this inquiry is incorrect. Please remove it from my report ; or I'll have to submit complaint to CFPB and FTC for false inquiries. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: WA

Complaint narrative:
Experian reports that XXXX is sending them information that the following address is associated with my card account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX However, XXXX is sending them incorrect city name ; the correct city name is XXXXXXXX XXXX XXXX Can you make that correction to the data you send Experian please?

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 2024-10-06 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my trans Union credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: FL

Complaint narrative:
Security Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  received my despute and has not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, there was a total of 4 unauthorized transactions made with my cash app card. When i noticed the transactions from the app I immediately contacted cash app 's customer service and notified them that my wallet and cell phone had been stolen and all transactions pending were unauthorized. The cash app specialist explained to me that nothing could be done until transactions were finished pending and posted. XX/XX/year>, I made another call to cash app and made a total of 4 disputes, closed my debit card, and ordered a new card having it shipped to my billing address. Even though I previously called and notified costumer service of the unauthorized transactions prior to them posting I was still denied. XX/XX/year>, at XXXX XXXX  4 transactions for XXXX at XXXX XXXX in XXXX California which the last transaction failed. Later the same day at XXXX XXXX  two transactions for the amount of XXXX were made at XXXX in XXXX California which only XXXX succeeded. A total of XXXX was took from my account. I attempted to dispute those transaction four times and was always denied. Approximately one year later I demanded cash app to show me proof of a proper investigation which was never honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: IL

Complaint narrative:
I am writing to dispute the inaccurate information being reported on my credit file and to demand the immediate removal of the XXXX  entries identified by Account Numbers XXXX and XXXX, filed under XXXX XXXX XXXX XXXX XXXXXXXX. These entries do not meet the requirements of maximum possible accuracy as stipulated under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ).

Violation of 15 U.S.C. 1681e ( b ) : The information you are reporting regarding the open date, date last active, and address related to these accounts is incorrect. As per 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information you report. The inaccuracy of these entries suggests a clear failure on your part to comply with this federal requirement. This is an unacceptable and willful violation of my rights under the FCRA.

Proof of Address Request : Furthermore, I am demanding that you provide verifiable documentation confirming the address linked to these accounts. The address you have associated with these accounts is incorrect and further supports my claim of inaccuracy.

Failure to Validate and Demand for Deletion : If you are unable to provide documented proof, you must delete these accounts immediately. Failure to remove these items is a direct violation of my rights under 15 U.S.C. 1681e ( b ), and I will take all necessary actions to ensure my consumer rights are upheld. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially initiating legal action.

Additionally, 15 U.S.C. 1681i requires reinvestigation of disputed information. I expect prompt compliance with this mandate, along with complete documentation of your reinvestigation process, within the legally mandated 30-day timeframe.

In accordance with 15 U.S.C. 1681c, you are obligated to limit the reporting period for adverse information, and in this case, the continued reporting of these bankruptcies without validation is unwarranted and unlawful. The inaccuracies are damaging my creditworthiness, and I will not tolerate any further harm due to your negligent or willful misreporting.

Immediate Action Required : I demand the immediate deletion of these accounts from my credit file, and I expect a response confirming these deletions within 30 days of receipt of this letter. Should you fail to remove the disputed information and provide evidence of accuracy, I will exercise my right to seek statutory damages, legal costs,

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 2024-10-06 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Companies are reporting accounts when I have never had any business with the companies. 

XXXX XXXXXXXX XXXX has never made contact with me regarding any accounts, nor have I ever had any accounts with them. I am requesting they provide me with detailed information showing I have had any account with the company. If they fail to do so, I am requesting they remove all reported accounts on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXX cared number : XXXX Thank you for your understanding and prompt action.

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 2024-10-06 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: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXX cared number : XXXX Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have had 2 complaints open about my issue already and they were both closed. It is for a credit card that is not mine as a card that I fully paid and closed, was re-opened and charges were put on it. 

The last report with Midland Credit Management was XXXX. 

I have filed a report with the FTC, but can not submit since it was closed. Reference XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: SC

Complaint narrative:
I have reach out several times to XXXX XXXX reporting inaccurate information on my credit profile. The time frame has been between the date of XXXX  until current. I have sent out a debt validation letter and no response. XXXX XXXX is reporting a balance of {$360.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: SC

Complaint narrative:
I have reach out several times to XXXX XXXX reporting inaccurate information on my credit profile. The time frame has been between the date of XXXX until current. I have sent out a debt validation letter and no response. XXXX XXXX is reporting a balance of {$360.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im a victim of fraud. Chase, XXXX XXXX XXXX XXXX XXXX XXXX are all things I never opened or authorized to open this is messing up my credit when Im trying to build it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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:
I am writing to request the removal of outdated and inaccurate personal information from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Specifically, I request that all previous addresses and phone numbers be removed, as they are no longer valid or relevant.

My current and only address is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Please update my credit file to reflect this information and remove any previous addresses and phone numbers associated with my report. According to the FCRA, I have the right to ensure that my credit report only contains accurate and current information.

I appreciate your prompt attention to this matter. Please confirm once the requested changes have been made.

Thank you for your assistance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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:
I am writing to request the removal of outdated and inaccurate personal information from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Specifically, I request that all previous addresses and phone numbers be removed, as they are no longer valid or relevant.

My current and only address is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Please update my credit file to reflect this information and remove any previous addresses and phone numbers associated with my report. According to the FCRA, I have the right to ensure that my credit report only contains accurate and current information.

I appreciate your prompt attention to this matter. Please confirm once the requested changes have been made.

Thank you for your assistance. 

Sincerely, 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 2024-10-06 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Request for Removal of Charged-Off Account Under FCRA 15 U.S.C 1681 Dear Truist Bank, I am writing to formally request the removal of a charged-off account from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

The account in question which has been listed as charged-off on my credit report. After reviewing the account information, I believe there are inaccuracies or incomplete information that warrants its removal from my credit file. As such, I am disputing this account and will also be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure a thorough investigation is conducted.

According to the FCRA, it is your responsibility to report only accurate and complete information to the credit bureaus. I request that you investigate this matter and take appropriate action to remove the charged-off account from my credit report if any inaccuracies or incomplete information are found.

Please provide a confirmation of your investigation and the actions taken to resolve this dispute.

Thank you for your attention to this matter. 

Sincerely, 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 2024-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I did not authorize any company to release my personal information to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Last Monday I went to the dealership after receiving messages multiple times a day to purchase a vehicle. Even though it was not what I wanted and my emotional status is vulnerable due to XXXX I just wanted the calls and texts to stop. I sat at the dealership for over XXXX hours dealing with a pushy sales man who kept requesting my phone when I said I didn't have it he tried to get my personal information to login from his computer for a review, which he eventually got access to my phone and wrote himself a raving review. When signing the paperwork I was rushed through and confused and tired. I didn't even get my set of the paperwork until the next day because my spouse and I had to email and call them repeatedly for the information. After thoroughly reviewing I felt I was lied to and wanted to end the loan/contract before it was funded. My spouse and myself was told we can not do this and now no one will respond to the request. They've ignored my texts and emails and this is against the law and they've done this before.

Company response to consumer: Closed with explanation