vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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:
I applied for an Indigo Mastercard through XXXX XXXX  that is serviced by Concora credit with a {$1000.00} credit limit that had an annual fee of {$250.00} to open the card. when receiving the card there was a balance of {$250.00} on it. I made a few purchases and paid back the balance of what i had charged on the card. I went to use the card while shopping and it was declined. I contacted the card company, and they told me the account was closed, and I would receive a letter in the mail telling me why it was closed with only having the card for less than a month. I received the letter weeks later stating that my account was closed due to them not being able to reach me by telephone, and that i was responsible for the annual fee still. I contacted the company on XX/XX/year> at XXXX, again after reviewing my phone records to see if they had tried to contact me which they had not and have had no voicemails either. The lady said she would have to send a message to the relevance team to look more into the account and the reason why because she stated what i got in the letter couldn't be the reason why my account was closed and to contact them in 5-7 business days about it. I told them I told them I would be filing a complaint with the CFPB about this because this is wrong and I feel like this is a money grab from them, when my account was in good standing, and I was making payments on my account. As soon as I told them this, they locked me out of the Indigo account so I can't see or even manage my account and get information I need on dates and payments I have made. I have been working on my credit for 2years and because of this my credit took a hit and now they are saying I am responsible for this fee and charging me interest on it and late payments. I also have a milestone card with the same bank which I was locked out of due to me telling them I was filing a complaint with the Indigo card, I had to go through a whole process with them to have that card unlocked so I can continue to make the payments on it. This has been a nightmare dealing with this bank. I want them to remove the Indigo from my credit report and make it right with me I should not be responsible for the charge of the annual fee of {$250.00} the interest charged on the card or late payments while I get this issue resolved and off my credit report. I opened this card in good faith and was doing everything right for it to be closed not even a month of having it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX. 
XXXXXXXX XXXX XXXX  - Account number XXXX. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2024-12-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX Account number XXXX. 
XXXXXXXX XXXX XXXX - Account number XXXX. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All of the problems that you listed apply. They take over 30 days, they don't notify me of the results, they don't correct the information that is clearly wrong and they calculate my score completely different especially when I complain or file complaints or dispute, than my other two credit companies. They absolutely discriminate based on age, race and gender. The way that I am treated even when I call them on the phone which is extremely difficult to get through to somebody, is very disrespectful. My credit report which has the same information as my other two credit reports is XXXX points different suddenly. Why? I'm nearly XXXX credit score with XXXX and XXXX but Experian has me in the low XXXX. There is no reason for it. It's the exact same information on all three credit reports and I have verified that. It's extremely concerning. They don't fully investigate they don't reply they don't do what they are required to do by law and they don't make the creditors supply them proper information. I paid off my XXXX  and paid payments on time and yet they still are allowing that company to state that I'm making late payments or no payments when it's paid off! It's never fixed and this is just one example.

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 2024-12-16 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2024-12-16 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: SC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Fraud credit card opened in my name with XXXX. Account was opened XX/XX/XXXXXXXX  and was closed XX/XX/XXXXXXXX  with a overdue balance of {$2800.00}. XXXX, XXXX, XXXX, XXXX of XXXX  where paid and then never paid again. I have called Experian and they advised i call the XXXX overstock phone number and i filled a fraud dispute with them and they told me 60-90 days for a investigation.

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 2024-12-16 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: TN

Complaint narrative:
Subject : Request for Deletion of Accounts in Line with XXXX Deletions Dear Equifax Dispute Department, I am writing to dispute the reporting of the following accounts on my Equifax credit report. These accounts were recently deleted by XXXX after verifying inaccuracies during their investigation. I request that Equifax conduct a similar investigation and remove these accounts from my report promptly. 

Accounts to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute The above accounts contain inaccurate and unverifiable information. XXXX deleted these accounts after determining the information could not be verified. As required under the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), credit reporting agencies must ensure the accuracy of all information on consumer reports. 

Requested Actions 1. Reinvestigate the listed accounts for accuracy.

2. Delete the accounts from my credit report if the information can not be verified. 

Supporting Documentation 1. A copy of XXXX confirmation of deletions. 
2. My updated identification documents, per your request : Drivers License ( with different address ).

Social Security Card. 
Paystub with my current address ( matching your records ). 


Your Responsibility Under FCRA 1681i ( a ), Equifax is required to reinvestigate my dispute and resolve the matter within 30 days. If the accounts can not be verified, they must be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
According to their records, there was an account fraudulently opened with my information on XX/XX/year>. When I saw the account on my credit report I reached out to report fraud immediately. I was originally told that the account would be deleted because some of the information did not match mine, but it never happened. After many disputes and signing a form to declare fraud, they did close the account, but did not delete it and they continue to report late payments. I am just looking for the deletion I was originally told I would receive for the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/year>, I was contacted by a debt collection agency under a new name via email. I had never given this company my email address nor authorized them to contact me through this medium. This is the first time they have used email to reach out to me, and I was surprised and distressed by this unsolicited communication. 

The email was sent by Transworld Systems Inc and appeared to be related to a debt I may or may not owe. However, I would like to note that the debt in question is old, and the statute of limitations for collecting this debt has passed. According to the law, this debt is no longer enforceable, and the collection agency has no legal grounds to attempt to collect on it. I believe the collection agency is violating my rights by trying to pursue this debt after the statute of limitations has expired. 

Before this incident, I had no prior interactions with this company, and I did not have any expectations that they would reach out to me via email. I did not give consent for them to use this form of communication, and their contact via email has caused unnecessary stress and confusion. 

I have not yet requested that they stop contacting me, but I am making this request now, and I want them to cease all communications with me, particularly via email, since I never gave them permission to contact me this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
I

nternal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-16 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-16 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-12-16 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NJ

Complaint narrative:
I XXXX XXXX XXXX was a victim of XXXX XXXX and now recovered below I have attached my proper documentation of proof showing i'm a recovered victim of XXXX XXXX 

I will also be attaching my proof of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation