vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
To Whom It May Concern : I am submitting a complaint regarding inaccurate credit information and improper debt collection practices by Amsher Collection Services ( also doing business as XXXX XXXX XXXX XXXX XXXX XXXX ). Despite my disputes, they continue to report incorrect debt information related to an alleged XXXX account. 

On XX/XX/XXXX, a collection account was added to my XXXX, XXXX, and XXXX credit reports by Amsher, showing I owe {$730.00} on XXXX and XXXX and {$730.00} on XXXX for a XXXX debt. However, Amsher failed to properly notify me of my right to dispute this debt and also has an incorrect address associated with the account. 

I have no knowledge of this debt and assert I do not owe Amsher Collection Services, XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  any money. The inconsistent balance amounts they reported on the three credit bureaus also demonstrate the inaccuracy of this supposed debt. Amsher Collection ServicesXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has no proof of this debt actually belonging to me. 

I sent Amsher a written dispute on XX/XX/XXXX explaining all these issues but received no response. They continue violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act by failing to validate this illegitimate debt and not correcting erroneous credit information when disputed. 

I am prepared to enforce my rights under federal and state debt collection laws through legal action if they remain non-compliant. Please help me resolve this issue with Amsher Collection ServicesXXXX XXXX XXXX XXXX XXXX XXXXXXXX . 

The account number : XXXX for XXXX XXXX XXXX XXXX XXXX XXXX and the one reported on my credit report lists a partial account number but is : XXXX Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my Experian RentBureau report sent to me via mail.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my FactorTrust consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XX/XX/XXXX  I purchased through PayPal a camera on XXXX XXXX with the trusted site advertised 100 % Return Customer Satisfaction and 100 % customer rated reviews on Seller  XXXX. PayPal did not cooperate in reviewing my verified documentation Seller  had agreed to make the return if I changed my reasons for return as " not as advertised '' and said I would but had no options to make any entry since XXXX did not show any options and my history of payments was null in my profile. Seller must of had control over the website he advertised so I was reliant on his emails from inception of purchase. Seller agreed to refund and start return but had no time for me and would get back to me. I was uncomfortable with this unprofessional comment - camera was advertised as XXXX camera. There was no disclosure it was in XXXX language only and could not be converted to English. It was upon discovery, as a gift, the camera was in XXXX and the instructions and was not convertible to English. If I had waited for Seller it would have exhausted my return time-frame so I filed a dispute with PayPal who transferred my payment from my XXXX credit card. Seller then closed the return via email to me. PayPal did not review properly the agreement of warranty of returns from XXXX  stated and advertised 100 % customer satisfaction, nor did they accept the agreement the seller stated he would start a return process but had no time for me. PayPal has a bias to XXXX and is not a fair advocate for me as the consumer. I am filing a bad faith claim with PayPal for failing to investigate proper documentation. I have appealed twice. PayPal stated the advertisement was close enough description - that was not the agreement XXXX  advertised 100 % customer satisfaction return policy and Seller agreement to return. It's bias and unfair to me. I want a refund, I want a return process with a mailing address to return the camera to XXXX! a

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 2024-01-10 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: AR

Complaint narrative:
I am writing to express my dissatisfaction with the ongoing challenges I have faced while attempting to correct late open accounts on my credit report. Despite multiple attempts, the issues persist, impacting my credit score and causing significant distress. 

I have made repeated efforts to rectify this situation through your dispute resolution process, yet the corrections have not been implemented successfully. 

Here is a summary of the actions I have taken to address this matter : I have submitted disputes through your online platform, providing detailed information about the late open accounts, along with supporting documentation. 

I contacted your customer support hotline to inquire about the status of my disputes. However, the information provided has been inconsistent, and the issue remains unresolved. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to support my case and clarify the inaccuracies. 

Despite these efforts, the late open accounts continue to negatively impact my credit report. This situation is not only frustrating but also raises concerns about the accuracy and reliability of the information maintained by Credit Bureaus. As a consumer, I rely on accurate credit reporting to make important financial decisions, and the persistent errors on my report hinder my ability to do so. 

I kindly request a thorough investigation into the late open accounts listed on my credit report and a swift resolution to correct these inaccuracies. Additionally, I seek clarification on the specific steps taken during the investigation process and a detailed explanation for the continued presence of these errors. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my hope that Credit Bureaus will take immediate action to rectify this matter and provide a clear and transparent resolution. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$50000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: AR

Complaint narrative:
I am writing to express my dissatisfaction with the ongoing challenges I have faced while attempting to correct late open accounts on my credit report. Despite multiple attempts, the issues persist, impacting my credit score and causing significant distress. 

I have made repeated efforts to rectify this situation through your dispute resolution process, yet the corrections have not been implemented successfully. 

Here is a summary of the actions I have taken to address this matter : I have submitted disputes through your online platform, providing detailed information about the late open accounts, along with supporting documentation. 

I contacted your customer support hotline to inquire about the status of my disputes. However, the information provided has been inconsistent, and the issue remains unresolved. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to support my case and clarify the inaccuracies. 

Despite these efforts, the late open accounts continue to negatively impact my credit report. This situation is not only frustrating but also raises concerns about the accuracy and reliability of the information maintained by Credit Bureaus. As a consumer, I rely on accurate credit reporting to make important financial decisions, and the persistent errors on my report hinder my ability to do so. 

I kindly request a thorough investigation into the late open accounts listed on my credit report and a swift resolution to correct these inaccuracies. Additionally, I seek clarification on the specific steps taken during the investigation process and a detailed explanation for the continued presence of these errors. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my hope that Credit Bureaus will take immediate action to rectify this matter and provide a clear and transparent resolution. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$50000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please 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 non-monetary relief
Consumer complaint received 2024-01-10 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: NJ

Complaint narrative:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Pavilion Payments US BuyerCo, LLC
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my Global Payments Check Services consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 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 explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Verisk Analytics Inc
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my Insurance Information Exchange report, under the Fair Credit Reporting Act. 
I am requesting a copy of my Insurance Information Exchange report sent to me via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
They call, text and email me several times per day for the past month. Ive repeatedly told them this is not my debt and to stop contacting me. They begin their calls at XXXX XXXX  and do not stop until evening They are asking for someone that is NOT ME nor do I have anything to do with this debt. I want them to leave me alone. I suggested they contact the account holder and that suggestion, clearly had been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/

Company response to consumer: Closed with non-monetary relief