vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My information was leaked in Equifax XXXX  XXXX XXXX. Upon learning of the breach, I submitted documentation to the agency disputing several accounts. In my request, I asked this reporting agency to look into accounts from XXXX  through today, but they have not provided proper evidence of an investigation. I have a credit monitoring account with XXXX, and you can request to dispute inaccurate information through their app. On several occasions, both on the free and paid app I requested disputes and information that never matriculated the information requested. I was seeking proof that these accounts were mine as I did not affix my signature to most accounts on my report. I provided a typed letter with copies of my ID and SS # to all three reporting agencies to look into inquiries that were popping up out of nowhere to accounts, anything and everything that looked suspicious on my report. In addition to this failure to utilize professional objectivity and integrity, I the consumer have had adverse responses due to the negligence of these reporting agencies to secure my consumer information and diligently investigate to the fullest capacity to protect my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX under the account name XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-01-09 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: NC

Complaint narrative:
Experian verified as accurate but failed to provide me with any actual evidence of the validation. Experian failed to provide it's procedures for validation and how that information was gathered, after requesting it from them. I sent the dispute letters in XX/XX/year>. Experian claimed to have verified each derrogatory account but could not explain or provide any details other than verified.

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 2025-01-09 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 am submitting this complaint against Experian regarding their handling of my dispute involving an account with XXXX XXXX XXXX  XXXX Account Number : XXXX ). Experian did not comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ) ( B ), and 611 ( a ) ( 7 ). In which I received a generated response that the account is accurate and verified Details of the Dispute and Experians Investigation : Initial Dispute and Investigation Timeline : I disputed this account with Experian, citing inaccuracies in how the account is reported. 
Under the FCRA, Experian is required to conduct a reasonable investigation within 30 days ( or 45 days if additional information is provided ). However, I received their results within 2 weeks, which raises concerns about the thoroughness of their investigation. 

Inaccuracies Not Addressed by Experian : -Conflicting Charge-Off Dates : The account is listed as charged off in both XX/XX/XXXX and XX/XX/XXXX, which is contradictory and misleading. 
Balance Discrepancies : Despite being charged off, the account reflects a balance of {$120.00}, which suggests improper reporting of the accounts status and balance. 
-Lack of Validation Methodology : Experian failed to provide information on how they verified this accounts accuracy. As per 611 ( a ) ( 6 ) ( B ), they are required to provide me with the method used for verification when requested. 
Reinvestigation Requested : -Given the inconsistencies and lack of evidence supporting the accounts accuracy, I requested a reinvestigation, which has not been satisfactorily completed.

Violations of the FCRA by Experian : Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ( A ) ) : Experian failed to conduct a proper investigation of my dispute. Completing the investigation in just 2 weeks without addressing the issues raised indicates negligence. 
Failure to Provide Verification Methodology ( 611 ( a ) ( 6 ) ( B ) and 611 ( a ) ( 7 ) ) : Experian has not disclosed the method or procedures used to verify the accuracy of the account, which is required under the FCRA. 
Failure to Ensure Maximum Possible Accuracy ( 607 ( b ) ) : Experian is obligated to ensure that the information on my credit file is accurate. The conflicting charge-off dates and unresolved inaccuracies violate this provision.

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have contacted Capital One many times by phone over the past year to discuss payment options. I was told by their customer service representatives that if I waited until my bill was past due then I would have favorable options such as lowered interest and/or payment plans to get me back in good standing. I did this twice as recommended by their employees and the most that Capital One could do is waive the late payment fees. After a further discussion, I was told that I would have more favorable options if I was to let the payments go past due by at least two payment cycles. As I took the advice from a Capital One employee, I stopped making payments. After a couple months of my bills overdue, I called again to see what hardship options or programs were available. Again, Capital One offered the same options as they did previously! This put me in a very stressful and tough situation. Now the debt appears to be passed off to collections and my credit score has dropped tremendously. Capital One has made thousands off of me paying interest alone over the past year. I need proper resolution from a situation that Capital One representatives put me in by providing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 explanation
Consumer complaint received 2025-01-09 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 writing to remove the following information from my file. The items that I have deleted are listed in the report. Without my permission. I reported the lack of authorization of my identity to the Federal Trade Commission and I also have attached copies of the federal tray, the identity of the commission, the affidavit. Please remove these items 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
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
Personal Information Inaccurate Incorrect or just wrong like names, addresses, phone numbers, employment. Hard Inquiries I did not give permission to check my credit report etc. 
I have also mailed CFPB a copy of my letters to the 3 credit bureaus to make sure all Items are deleted and removed.

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I got an offer to get XXXX dollars statement credit for XXXX dollars spending at XXXX XXXX XXXX for hotel room booking. I prepaid the first night room charge online and then call them to pay the rest to achieve XXXX dollars spending. However the rest are determined as General retail - Merchandise but not room charge. Ive already contact them about this but they said the will have an investigation but still no solutions. I want to get my XXXX dollars statement credit back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
This company calls be so many times a day demanding payment. They always start by saying call is being recorded. When I finally asked them to remove this per this month 's regulations to remove medical debt from credit report, they got upset and transferred me to a supervisor. When I told them I too was recording the call per other threats they've made to me, they refused to be recorded and said we would be ending the call. To which I responded " there is no call without it being recorded for my safety on my end as well ''. The all ended and they refuse to remove it from all of the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have created an account with Equifax numerous times every time I try to log into their website with my email password it tells me to keep contacting customer service. I continue to do this every time I call customer service they want to verify my information but the information they have on my credit report is old information incorrect information. I can not answer the security questions if theres accounts on there from years ago and theyre asking me questions what the name of the banks I have filed the bankruptcy and I have stuff on my account with Equifax that should not be there. Also I had identity fraud back in XXXX  with Equifax and that still isnt corrected. Ive been trying to correct my information And I am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am writing to formally raise a complaint regarding services received during my XXXX XXXX XXXX, Carnival XXXX vacation. 
During the cruise, I consulted with the XXXX XXXX XXXX  XXXX  regarding facial filler treatments, a service I previously underwent on a Carnival XXXX  in XXXX. Following his recommendation, I opted for the XXXX treatment instead. The doctor assured me that XXXX would provide immediate results, ongoing improvement over time, and last for 35 years, making it a better long-term value despite its higher cost ( {$3200.00} ). Based on his professional guidance, I trusted these representations and proceeded with the treatment. The doctor also encouraged me to apply for the Carnival Mastercard to facilitate the payment interest-free. 
Unfortunately, the promised results were not achieved ( no results were achieved ). I relied on the doctors expertise, but the outcome fell drastically short of the representations made, leaving me feeling misled. When I contacted Carnival about this issue, I was directed to XXXX XXXX XXXX, the third-party provider managing spa services. Carnival stated they bear no responsibility for XXXX XXXX XXXX services. However, I paid Carnival for those services as evidenced on the Carnival Mastercard statement. 
Attempts to resolve the matter with XXXXXXXX XXXX XXXX have been equally unsatisfactory. Despite acknowledging receipt of my initial complaint via email, they have failed to respond to multiple follow-ups. On XX/XX/XXXX, I managed to reach a representative by phone, but after explaining the nature of my complaint, the call was disconnected. Further attempts to contact them have been unsuccessful. 
I contacted Barclays, the issuer of Carnivals Mastercard, to dispute the charge. Despite providing all relevant documentation, they declined to investigate the matter thoroughly. I reached out to them by phone on several occasions but was not allowed to speak directly with anyone regarding the dispute. Instead, I was instructed to submit my dispute exclusively via fax or mail. After following their process and escalating the matter by asking them to reopen the dispute and review my additional information ( submitted via fax ), I received a letter stating they had reviewed my case but declined to provide further assistance. They referred me back to Carnival for any credit. 
I trusted Carnival and its representatives to provide high-quality services and accurate guidance, but this experience was deeply disappointing. I kindly request your assistance in resolving this matter promptly and fairly.

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 2025-01-09 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: MS

Complaint narrative:
XX/XX/XXXXXXXX  I sent a dispute letter about 7 accounts from the same creditor ( XXXX XXXX ). I took out a consolidation and settled every delinquent account. The bank its self sent the checks to each creditor. The bank gave me a letter as confirmation and detailed what was done. I mailed my letter and copy of the bank 's letter with cleared checks to show proof that the debts were paid. 
On XX/XX/XXXXXXXX  All three credit bureaus deleted the debts, but they all appeared again XX/XX/XXXX. 

The cycle continues to this day. Every time I dispute with proof that the debt is not mine or incorrect, they either ignore or delete and add it again the following year. 
It has kept my scores at XXXX for 10 years. There is no reason my score should remain under XXXX with steady payment history. 
I was denied a mortgage 13 times. This is also documented. I was finally granted a mortgage through a large down payment and proving to the lender that my credit should be higher. 
I have a large packet that I have kept with dates and responses from each bureau. I have been treated unfairly by each bureau, including Experian.

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 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I purchased a home in XXXX, FL using Ameris Bank 's Mortgage department. This property closed on XX/XX/year>. At closing, they wouldn't take all the proceeds I had from my prior house sale. So I was left with about XXXX extra dollars. I then used some of that money to pay one month ahead. Subsequently, I was left with {$13000.00}. This I used to prepay my principal around XX/XX/year>. Ameris put it in a suspense account and never applied it properly. I repeatedly called and told them to put it towards the principle, but they didn't do it. They then sold the mortgage to select portfolio service., XXXX XXXX XXXX could not find the money and led me around in circles, basically going nowhere. There was no accountability for this lost money. XXXX gave me the runaround. and nothing happened for 7 months. I called Ameris and the same thing, the runaround, and nothing happened for 7 months. I sold this property attached to the mortgage on XX/XX/year>. XXXX sent me all the paperwork and check numbers, signifying how they sent the money back to Ameris twice, because Ameris did not put my information, mortgage number and specific details necessary. Ameris repeatedly lied to me and told me things that were not true. They had the money in their possession several times, but did not provide any information. It was just a consistent lie. Do not take my word for it., listen to the phone calls. You'll hear every lie made by them and every check number I applied. The great thing about this is every single thing has been recorded. I know I'm telling the truth and XXXX percent and have the evidence to back it up. Ameris then told me they put the check in the mail from XXXX, IL on XX/XX/year>. This is a bold-faced lie because it still has not arrived yet on XX/XX/XXXX, they can't account for where it is, they can't tell me anything or provide me any answers I've made over thirty-eight phone calls, and nothing is going on. I want my {$13000.00}. I have no way of knowing if they stole this money. They can't tell me where it is, where it went to provide me any details. this is theft because they fraudulently took my. took my money and didn't do as I repeatedly asked.. please help me solve this problem. I want my money, just like anyone else would. I have all the paperwork and can show you all the phone records and everything in relation to this.. Plus, XXXX as all the phone records and information.. and come Ameris Bank mortgage has received a heck of a lot of phone calls.. Also ask them where my lost {$13000.00} check went. And how do I know if someone else didn't cash it? As I said before, I have no way of knowing. But how do I know this wasn't stolen? Whether you wan na call it theft. Come a fraud or both, they committed repeated, verifiable bad deeds. Hold them accountable and get my money back, please.

Company response to consumer: Closed with explanation