vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XX/XX/year> I was advised that XXXX of the XXXX credit accounts that I had with this creditor were closed. I received written communication stating the accounts were closed, due to excessive use being unclear of what exactly that meant. I called the number provided on the letter. After being rerouted I was finally able to speak with an account XXXX, who was unclear herself to the exact reason for the accounts being closed. The information she provided was general in regards to safety or fraud prevention measures that may have been taken and the accounts may have been closed due to it being a new account and excessive use. I then requested that I get a phone call from someone who would be able to provide more detailed information to exact reason why these accounts were closed? I also requested a refund of the annual fee being a card member, considering these accounts were closed due to no adverse action on my part. I feel like I should be refunded this annual fee. I had these accounts for less than XXXX  days the accounts were used and they were totally paid off, and literally after XXXX days of pay off the accounts were closed. I was advised that this annual fee request would not be honed and fee would not be able to be waived because I did use the card. This seems a little unclear, considering after opening for less than XXXX  days they decided to close these accounts out because they decided there may have been some fraudulent activity. They made no attempts or effort to reach out to me as the consumer to verify whether or not I was making any charges they never verified or had any questions or concerns as to the accounts being paid off and so to have been closed without full disclosure, and or explanation I feel I am obligated to receive my annual fee. The closure of these accounts have now had an adverse impact on my credit as well as leaving a balance because of this annual fee they feel they have the right to keep. This feels like fraud on their part because they have the right to open and close accounts, assess fees where a consumer is unable to utilize the account at its full capacity. I am being charged for something that the merchant decided to do. Im filing this complaint because I feel as a consumer my rights have been violated for several reasons, and I am being fraudulently or defrauded of monies that are rightfully due Id expect to receive a removal of these credit accounts from my credit report and the refund of the annual fee because I feel like this merchant did not do their due diligence and reach out to me as a consumer to verify any information before making a decision that would have such an adverse impact on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: PA

Complaint narrative:
Please review the documents I've sent as there should have been no late payment remarks on this accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: HI

Complaint narrative:
AmSher Compassionate Collections said I owed {$78.00} from a cell phone company, which is a debt I already resolved and paid off last year, XXXX. I initially stated I wanted to pay the debt so I could get it resolved, assuming there was a mistake when trying to pay it last year. The representative discouraged me from doing this saying it would stay on my credit report for XXXX  years and affect my credit score by paying the amount off in full. Instead he continued to insist I pay them a {$300.00} upfront fee to dispute the claim and then $ XXXX  monthly fee to clean up my credit report and improve my score. I said no many times and he continued to pressure me and suggest I use prepaid cards since I didnt want to provide my debit card information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-06 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: Larry H. Miller Group of Companies
State: DC

Complaint narrative:
I am currently in the process of buying another vehicle and of course, car dealerships have to run my credit report. Upon them running my report, each individual dealership has come back and all said the same thing that the charged off account for XXXX financial is causing the barrier in my consumer transaction to be approved and completed. I have disputed this account previously with the credit bureau, the company directly as well as the CFPB to no avail which violates 12 CFR 1022.43. The balance has been reporting inaccurate for over a year Which is a blatant violation of the Fair Credit Reporting Act found at 15 United States code 1681 as it has not been reported accurately repeatedly. The current reporting balance that was recently furnished to all XXXX major credit reporting agencies is/was {$27000.00}. The actual and current balance is {$24000.00}. The company has not made any previous good faith effort to correct the reporting or deleted after the previous disputes and are willfully and knowingly violating the FCRA. This makes them criminally liable Pursuant to 15 USC 1611 and civilly liable under 15 USC 1640

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: PA

Complaint narrative:
The following account has late payment remarks even though I was always never late for this account. Please review the documents I've sent regarding 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 2024-11-06 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: NM

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-06 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: TX

Complaint narrative:
Equifax XXXX XXXX XXXX Acct # XXXX Reinvestigation request As of XX/XX/XXXX to present, XXXX has reported inaccurate account information including the following ; 1. the date of first delinquency as XX/XX/XXXX, ( the actual date is XX/XX/XXXX ), 2. failed to report the date the account open, the date the account closed, 3. the amount of the debt of {$950.00}, is inaccurate, the alleged amount owed involves 3 accounts-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$380.00} and XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00}, 4. ( the payment history 5. and the purge date of XX/XX/XXXX is inaccurate, it should be XX/XX/XXXX XXXX reports the alleged debt owed is {$950.00}, this is false. XXXX combined the total dollar amount of 3 medical accounts, {$180.00}, {$380.00} and {$380.00} into a total amount of {$950.00} in order to report the one account due to the one account totaling more than {$500.00}. 
Please delete this account information. I'm requesting a phone call to conference a call with the third-party billing company to confirm the information herein. 
During a recorded call on or about XX/XX/XXXX, XXXX, an employee of XXXX XXXX, assigned to the XXXX XXXX, who specifically handles billing for XXXX XXXX XXXX XXXX XXXX XXXX, informed Plaintiff that XXXX XXXX billed Plaintiff for the reading of three separate accounts involving XXXX XXXX  performed by XXXX XXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} and XXXX. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following inquiries were made fraudulently and are not authorized by me : Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent inquiries from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of this correction. 

Thank you for your immediate attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
They have refused to delete accounts that were tied into identity theft.

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 2024-11-06 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 am requesting your assistance with the incorrect account being reported on my credit report. This issue has harmed my reputation as a customer, and I need your help. I want these accounts removed due to their false and negative reporting.

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 2024-11-06 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: NC

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

Account name : Child support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX credit report on XX/XX/year> 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 2024-11-06 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: Experian Information Solutions Inc.
State: NC

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian credit report on XX/XX/year> 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 2024-11-06 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Report Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) After reviewing my recent credit report, I have identified the following inquiries that I do to recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit report that should be removed immediately. These errors are not only misleading but are also negatively impacting my credit standing. I have reviewed my report carefully and can confirm that this information does not accurately reflect my financial history. Correcting this issue is essential, as these inaccuracies are affecting my ability to move forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: PA

Complaint narrative:
To my complete shock, I discovered incorrect accounts on my credit report this evening, and I cant understand how this could have happened. I routinely check my credit report, and Ive never seen anything like this before. I refreshed my browser, hoping it was just a glitch, but the errors didnt go away. Im now requesting that the documents I submitted be carefully examined to avoid any future issues like 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 explanation
Consumer complaint received 2024-11-06 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I discovered an issue on my credit report. Upon my review, I identified inaccurate information. Following this, I contacted the company and was informed that the status of this account had been changed to canceled. However, despite this assurance, my credit report still reflects this account inaccurately. 

I am concerned that this information continues to impact my credit score and overall report unfairly. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and I am requesting that this item be investigated and, if confirmed to be inaccurate, am requesting this account be removed from my credit report.

Company response to consumer: Closed with explanation