vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: LA

Complaint narrative:
I attempted to use my milestone credit card at a gas on XX/XX/XXXX XXXX the machine requested a pin number. I cancelled the transaction because I did not set up a pin and never had before. I tried to call the company but they were closed. today, XXXX XX/XX/XXXX, i call and they tell me that my account was perm closed and had been closed since late XXXX. the reason they state was because they sent me a letter back in XXXX for possible fraud. 

my gripe is because on multiple occasions, this company has locked my card and I have called in to ask them why and all they said was that they need to verify information. the last time i did this was XXXX and XXXX XXXX XXXX  XXXX to my understanding, my card was unlocked after me calling in and verifying my date of birth, address, etc. NOW they tell on the SAME EXACT DAY ( XXXX XX/XX/year> ), they placed ANOTHER LOCK on my card and then my WHOLE account on XXXX XX/XX/year>. 4 days later! they state that they sent a letter which I never got or opened asking me to verify AGAIN! They give no warning or anything about locking my card, account or anything. I have been traveling all summer and making my payments ( which they happily accept even though my account was locked AND even took one while closed on XXXX XX/XX/year>! ). 

this is fraud or at the least discriminatory behavior for the amount of times that I have to call and unlock my card and how they have no problem taking my payments even though they say they cant verify who I am. I literally called and verified and they locked my card again on the same day of XXXX XX/XX/year>! They said I didnt even make a transaction but they got a fraud alert. how?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 XXXXXXXX and list of Inquiries. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2024-09-19 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I have contacted XXXX and Early System serval times disputing the information that is displayed on their report regarding me. I have sent them an FTC report regarding this XXXX XXXX XXXXXXXX account that is reporting on my credit report. 

XXXX XXXX or Early Warning System have not acknowledged the Debt validation or verification letters that I have sent to them. 

I do not feel as if they have abided by the FCRA laws.

15 U.S.C. 605B : Under this provision, I am requesting that you block the reporting of any information that I believe resulted from identity theft. Attached is a copy of my identity theft report ( police report or FTC Identity Theft Affidavit ), which provides the necessary documentation. The disputed information must be blocked within four business days.

15 U.S.C. 1681e ( b ) : This section requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inaccurate late payment or other erroneous information on my report does not meet this standard. I am requesting that you reinvestigate the accuracy of this information and ensure that my credit report is corrected accordingly.

15 U.S.C. 1681n : As this may represent a willful violation of the FCRA by allowing inaccurate information to remain on my report without proper verification or reasonable procedures, I am notifying you of potential legal consequences. If this matter is not resolved promptly, I reserve the right to pursue statutory damages of {$100.00} to {$1000.00} per violation, punitive damages, and recovery of attorneys fees and court costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
I will never stop doing this as needed since I see that you are not taking action on my concerns. This is my refilling of complaint to XACTUS, LLC for allowing fraudulent inquiries on my credit report and also for continuing to report the inaccurate information on this account listed below. As I checked my recent credit report, the unauthorized hard inquiries are reporting including the inaccurate account on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX. I have attached also the letter response from XACTUS, LLC that they are deleting or blocking these inquiries but I still these unauthorized inquiries reflecting in my credit reports and continue to damage my credit reputation and credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have received XXXX overdraft fees in the past XXXX months for non-sufficient funds, for amounts ranging from {$8.00} to {$250.00}. I contacted the bank and signed up for overdraft protection and have still received fees even though I deposit at least {$5200.00} in this bank account monthly. Each fee is {$29.00} so I have paid {$400.00} in overdraft fees Since XXXX of XXXX. I also experienced overdrafts because fees I did not charge on my card were being incurred on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-19 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
went to XXXX XXXX for a free new patient exam and they XXXX XXXX XXXX XXXX and I left and asked if i owed them anything and they said no. They XXXX XXXX XXXX XXXX XXXX XXXX that I had to go to another XXXX to get them fixed. 

Details Below On XX/XX/XXXX I went in to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX for a free new patient exam. 

Well the nurse started probing my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and begin picking at them. 

I told her to stop, so then she wanted to probe my XXXX  and I wouldnt let her. 

So she went and got the office manger and he came in and I told him I didnt want her probing my XXXX To which he said I dont think your going to be a good match for our XXXX practice. 

The the XXXX came in started picking at the XXXX XXXX and said I needed new XXXX 

To the point of loosing the XXXX 

And that all the XXXX XXXXXXXX XXXX XXXX  for the past 2 years had done was bad. 

I told him I would trust my XXXX  of 2 years before I would trust someone I had never met before. 

And we agreed I was this practice was not for me. 

I left and as I left I stopped at the front desk and asked if I owed them anything and they said no. 

Well because they XXXX XXXX XXXX XXXX and loosened them they came off and I had to go to XXXXXXXX XXXX and have the XXXX XXXX at a cost to of {$250.00}. ( XXXX attached ) And I told them what XXXXXXXX XXXX had done and what caused the XXXX  to come off. 

So I get a call from you saying I owe the XXXX dollars for free new patient exam. 

Ive called you several times and XXXXXXXX XXXX on XXXX XXXX. They have said that they will correct the error and let you know to stop the collection and not report it to the credit bureau. 

Heres their number they gave me that is supposed to stop any further action and not report it to the credit bureau. XXXX. They said it will take about a week. 

Please provide me with a conformation when you receive that and you have stopped your actions and that you have not reported it to the credit bureau. 

If they dont remove this I would like to know that as well so I can report it to both the Alabama and Illinois attorney general offices and the DOJ , FTC .

If you have any questions please call. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: NY

Complaint narrative:
Loan Number : XXXX Issue : The servicer failed to respond to the appeal of my loss mitigation application denial. I submitted a Notice of Error and servicers response again failed to address the lack of appeal. Further, the servicer has evaluated me for different products for XXXX loss mitigation applications. The first denial was due to income. I increased my income and re-applied shortly after and then I was denied for an investor restriction that the delinquency exceeds the maximum allowable amount. I am disputing that this requirement is an investor restriction and whether the servicer asked for an exception to the restriction. Further, I believe that the denial violates RESPA because it is not detailed enough. I want to know what the maximum delinquency is and what does the servicer allege my current delinquency to be. I am attaching all relevant documentation hereto.

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 2024-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.

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 2024-09-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-09-19 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-09-19 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-09-19 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-09-19 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: OH

Complaint narrative:
On XX/XX/year>, and XX/XX/year>, I received text messages from XXXX ( which I subscribe to ), that short term loans have been taken out.

I sent in information to XXXX, freezing my credit report with them, along with freezing credit with : Equifax, XXXX and XXXX. 

I have no further information for this, but it was not created by me. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Forgive those who trespass against US! The above are violating the Fair Debt Collections Act with their abusive debt collections practices to the Consumer Credit Protection Act. They are also in Violation of the Truth in Lending Act not providing verified proof of authority with any detailed statements that they lend anything to anyone. I am the XXXX and not the XXXX. They are in fact agents and underwriters and are creating contracts designed to defraud and mislead which is unlawful under the Securities Exchange regulations Commodity Exchange Act. I have the Natural Right to make a promise without intending to keep it especially when XXXX  came to see that this was foolish and that I'll do myself a great harm by keeping any promise. I can with Supreme right [ jus ] break faith with such contract, and take my promise back. This is already paid for. I gave a security collateral, which is an extension of XXXX  estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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