vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
According to law 15 USC 1692 c ( c ), Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. Please remove all debt information from all XXXX credit bureaus asap that are listed below. 

XXXX XXXX  Bankruptcy/ XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/2017 XXXX, GA XXXX XXXX : XX/XX/2017 National Credit Systems Account # XXXX {$3600.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Account # XXXX {$8500.00} Sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Account # XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  Account # XXXX {$710.00} XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX. 
XXXX  XXXX, MO XXXX XXXX XXXX Account # XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have an American Express Bluebird card I had purchased from XXXX back XXXX XXXX or XXXX and used it for bill pay purposes and work related direct deposits. On XX/XX/XXXX, after having been paid and verifying I had roughly {$340.00} in the account, I had made an online purchase on a gaming site I had used multiple times in the past. After making the purchase, I was texted with a " did you make this purchase '' text for verification. I had clicked yes to indicate I had and the account was immediately locked. I called customer service, had the account unlocked, and explained it was me making a purchase for the amount and the name of the site. It was unlocked and i was told to try again, which i did. The card was immediately locked again. I tried logging in to my onljne account and was met with an " account frozen '' banner so I called customer service again to explain my situation and after asking for information on why it was frozen, was told they could not unlock the card and to call back in the morning. I called back next morning and this time i was told it was locked due to suspicious activity and that the " fraud department '' needed to review my account first and that I should call back in 2 days. 2 days later I called back and was met with customer service reps that had no idea what they were supposed to tell me and would not give me info about my account or whether or not it would be unlocked in the coming week. I asked for the number or email for the Amex fraud department and was told that could not be given to me then they hung up. I called back and spoke to various reps over the span of a few hours until I finally gave up. I scoured the internet for a customer service number that was us based so I could speak with anyone willing to listen and was unable to find anything. I tried calling Amex again over the course of 2 or so weeks and was met with the same issue each time. At this time, I had a second pay check direct I could not divert deposited into the account. I changed my direct deposit information and kept looking around the internet for info on who to call or write to with little success. A few weeks ago a friend of mine sent me a link to this site and now here I am. 
Yes it has been a while, but frustration and lack of information got the best of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: MA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following 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 explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I was told by a representative at Credit Collection Services that if I pay the money owed for my account, they would delete the accounts completely from my credit report in 30 days. I paid the company in full for the account in certified funds on XX/XX/2024 and the account still appears on my credit report. This company made an agreement with me that they would delete the accounts from my credit profile.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees

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 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I've canceled my XXXX membership back in XXXX  over the phone and they said over the phone that it's been canceled. However, from then to now, my member ship was still active even though I've requested to canceled already. Also, I haven't been back at this gym ever since XXXX  since I was told over the phone that my membership was canceled. I recently talked with the manager at XXXX and they told me that my debt didn't need to be pay. I've even ask the manager to write in paper stating that they canceled my membership to clear my debt but he said they it wasn't needed since my debt didn't need to be pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both XXXX XXXX standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. If you do not take action and comply with my request, I will have no choice but take legal action against you! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form SEQUIUM ASSET SOLUTION ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
I contacted Equifax on XXXX to inform them that I have been a victim of identity theft. I'm an XXXX XXXX  and my information was compromised in a data breach from the Office of Veteran Affairs. I have inquiries and accounts opened in my name without my permission. The inquiries are Equifax Mortgage SER XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax Mortgage SER XX/XX/XXXX, XXXX I'm attaching my letter that I sent to Equifax with supporting documents. 
I filed a police report and forwarded it to Equifax making them aware of what has happened. Equifax has ignored my request to remove the inquiries from my credit report. At this point I'm looking to remedy the situation before I ask questions to legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I viewed my credit report and noticed that there are incorrect 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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I have already disputed the initial letter that I received from this debt collector thru on the phone and with certified mail. Please STOP sending me repetitive letters to collect debt over and over. I have a lot of pain and suffering already since last year I had been scammed big-time. The detective 's name that handling my fraud case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Then, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. XXXX of the FBI Special Agents called me on the phone and interviewed me for about XXXX hour and XXXX minutes. 

Please see attachments as evidence. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the XXXX in XXXX XXXX, California whose handling my fraud case currently. 

Thank you very much for your understanding and consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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:
XXXX {$850.00} XX/XX/year> I called this company, they did not replied.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

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 2024-04-11 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-11 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: AL

Complaint narrative:
The balance on my XXXX credit card is {$24.00}. 

Experian is showing the incorrect balance of {$12000.00} and has not updated the balance since XXXX XX/XX/2024. 

I spoke to XXXX on the phone and they sent the correct balance of the card of {$24.00} to Experian on XXXX XX/XX/2024. The problem is with Experian. 

I tried to open up a dispute with Experian since they have not updated the balance in over 30 days ( XXXX XX/XX/2024 ) The higher incorrect balance of the XXXX card of {$12000.00} on the Experian credit report is SIGNIFICANTLY hurting my credit score by XXXX points lower according to Experian 's own " credit score simulator '' because my credit card balances are reporting to be {$12000.00} higher than they really are. 

My current credit score is XXXX with the incorrect XXXX balance of {$12000.00}. The correct Credit Score should be XXXX with the correct XXXX balance of {$24.00}.

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 explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: Westlake Services, LLC
State: TN

Complaint narrative:
To Whom It May Concern, I sent out a letter to XXXX on XX/XX/XXXX and never received any response. I will disclose the letter below : Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX  on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from Westlake Service Inc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 2024-04-11 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I never received a bill from this collection agency. This was a medical bill that the insurance agency paid late, but I never received a bill from the hospital or the collection agency for {$42.00} dollars. I need to know how to get this removed from my report because it is a medical bill under {$200.00} which I thought shouldn't be on your report anyway. If I need to pay it to have it removed I will do that. But I can't pay what I don't know about.

Company response to consumer: Closed with explanation