vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
*** see attached*** I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNT REPORTING. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : LETTER TO REMOVE INACCURATE CREDIT INFORMATION To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are the items in error : ACIMA DIGITAL FKA SIMP XX/XX/2022 Balance : {$5300.00} Account Number : XXXX I am unaware of the above-listed account. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1 ). Defamation 2 ). Negligent Enablement of Identity Fraud 3 ). Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action. 

Thank you for your cooperation in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: DISCOVER BANK
State: TX

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  15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: ND

Complaint narrative:
They just sent me a bill for XXXX bucks and said I had to provide them with proof of insurance during that time frame. I called them and asked for the original acceptance of the policy. I do not know how they signed me up for any insurance since I only asked for a quote and did not accept a " policy '' with them. I need that documentation, because I have no idea how they decided to just bill me for something I did not agree to. I also do not know how they can insist that I give them the insurance documentation I have in order to dismiss the bill. 

XXXX XXXX XXXX XXXX number : : XXXX Policy Term : : XXXX XXXX, XXXX to XXXX. XXXX, XXXX XXXX XXXX : : Full Term

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MD

Complaint narrative:
On XX/XX/year> I check my credit report and noticed that I have no credit report to view. I regularly check my reports and the last time I checked my Equifax credit report it was visible. I have called Equifax of at least XXXX times on XX/XX/year> to inquire what the issue is. When waiting to connect to a representative I am able to verify my ssn, address and zip code. After that no other information is correct which is causing my verification process to fail. I was also sent a text to verify myself via link which also failed. How is that? Something needs to be done as soon as possible. The representative ( XXXX ) will not answer any questions as to what has happened. But insist on me sending even more personal sensitive information via XXXX. I refuse to send any personal information when I am not being informed as to what has happened to my credit report. During the verification process none of the credit questions are related to me as a consumer. Any open accounts that I have are not showing on my credit report nothing. Not even during the verification process. My score is now XXXX! I am in the home buying process and this has halted my process. I am not going through bankruptcy nor have I ever to have caused my credit report to just go blank. Accounts where I am an authorized user are gone. Everything is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: SC

Complaint narrative:
The Bureaus is reporting to all XXXX credit bureaus. I have asked for validation numerous times from this company. They have failed to comply with e 30 day turnaround also failed to comply with furnishing information that they are licensed and bonded to collect a debt in my state of South Carolina. The have violated my rights by fraudulently accessing my consumer file and invading my privacy. I have never signed a contract with this company. I have not only asked for a signed contract and original signature from said company or whoever the claim to be collecting on the behalf of. ANd nothing, no avail, no response, no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I did not know I had a collection from Allied Collection Service until I received a notification of a negative item. I contacted the original debt owner XXXX XXXX and the balance was lowered to $ XXXX after I returned the rental equipment. Today I called Allied Collection and was informed my balance is $ XXXX due to interest charges. I said okay and would like to pay it in full but would also like a pay to delete letter. The man I spoke with informed me of my options to obtain this pay to delete letter - pay over the phone and wait XXXX days for the letter to be mailed or come to the office to pay in cash and receive the letter right away. I told him I would pay in cash at the office to get the letter today and I will be there within the hour. However, when I showed up the lady at the desk said that they dont do pay to delete letters just paid in full and the man I spoke with would be reported to the supervisor. I told her that he made a verbal agreement over the phone and I want to speak to someone but she said there is no one that I can speak with. This is the problem with these collection agencies where they make false statements over the phone just to collect on a debt that they do not own.

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Made a purchase on XX/XX/23 with XXXX XXXX  for my XXXX birthday dress. Less than XXXX hours after the order was placed I emailed to confirm I would receive the order by XXXX. I was told orders take XXXX to produce so it would not arrive in time. I asked could I cancel the order and was told that I could not cancel because the order was already in production but I could request to change to a ready to ship item. 

I couldn't understand how I could not cancel since it was in production but I could change for a different product and stated that in an email to the merchant. At that point, the merchant stopped responding to me. 

XXXX days later I received a package but it was not the item I ordered nor did it fit. 

I contacted the merchant via phone since they stopped responding to my emails requesting a refund and to return the item I received that I did not purchase and was told someone would get back to me but no one ever did. 

I submitted a dispute claim with Citibank. The merchant responded well after 90 days later and provided shipping information to Citibank and Citibank closed my dispute in favor of the merchant. 

I don't understand how that's possible. The purchase amount was {$280.00} and I did not receive the item I ordered. I had to order a completely different dress overnighted from a different vendor. I want a refund. 

I still have the item snet to me in the packaging it was received in. I will return it happily.

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 monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: MI

Complaint narrative:
On Monday, XX/XX/2024 at XXXX, the company called and held the phone did not say anything and hung up. On Thursday XX/XX/2024 at XXXX, the company called again held the phone did not say anything and hung up. On Monday XX/XX/2024 at XXXX, the company called again held the phone did not say anything and hung up. That same day at XXXX, I called the company and ask why do they keep calling my phone not saying anything and hanging up. The representative ask what number was being called, I provided the number and he said he was trying to reach XXXX XXXX, I why not just ask for the person instead of calling and hanging up. I ask what is the name of the company and he said L.J. Ross Associates. I ask was the company a debt collector and the representative did not answer and changed the subject and ask me for personal information, I refused to answer, and ask him to cease and desist from calling the number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: AR

Complaint narrative:
I am writing to dispute negative information on my credit report maintained by your Credit Reporting Agencies under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding permissible purpose. 
Upon reviewing my credit report, I have identified certain negative information that has been reported without my explicit permission or a permissible purpose as defined by the FCRA. As a consumer, I have the right to control who can access and report information about my credit history, and I did not authorize the reporting of the negative information in question. 

I hereby request that the Credit Reporting Agencies conduct a thorough investigation into the reporting of this negative information and provide documentation demonstrating the permissible purpose for its inclusion on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only permitted to furnish consumer credit reports to those with a permissible purpose, such as for credit extension, insurance underwriting, employment, or other legitimate business transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: AR

Complaint narrative:
I am writing to dispute negative information on my credit report maintained by your Credit Reporting Agencies under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding permissible purpose.

Upon reviewing my credit report, I have identified certain negative information that has been reported without my explicit permission or a permissible purpose as defined by the FCRA. As a consumer, I have the right to control who can access and report information about my credit history, and I did not authorize the reporting of the negative information in question.

I hereby request that the Credit Reporting Agencies conduct a thorough investigation into the reporting of this negative information and provide documentation demonstrating the permissible purpose for its inclusion on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only permitted to furnish consumer credit reports to those with a permissible purpose, such as for credit extension, insurance underwriting, employment, or other legitimate business transactions.

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 2024-04-23 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX  Account Number : XXXX Inquires : XXXXXXXX XXXX  XXXX - XX/XX/year> : XXXX XXXX  XXXX - XX/XX/year> : XXXX  - XX/XX/year> :

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 2024-04-23 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Inquires : XXXXXXXX XXXX XXXXXXXX - XX/XX/2023 XXXX XXXX XXXX XXXXXXXX - XX/XX/2023 : XXXX XXXX XX/XX/2023 :

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 2024-04-23 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I write to follow up on Complaint No. XXXX of XX/XX/XXXX which remains without a written response from Barclays, and now it appears Barclays has taken action which puts my health insurance coverage at risk. I have repeatedly called the direct line included in Barclays letter of XX/XX/XXXX and have been unable to speak to anyone despite the now urgency of the matter. 

The issue, first reported on XXXX XXXX, XXXX, is an overcharge in the amount {$280.00}. Barclays has gone back and forth between temporarily reversing such amount and then reapplying it to the account. Since my last complaint of XX/XX/XXXX, it appears that Barclays contacted the merchant, cancelled its original XX/XX/XXXX payment to the merchant, and then paid the merchant an amount {$280.00} less than the original payment amount all of this without my knowledge, consent, nor any communication with me. Now, the merchant is contacting me for payment of the {$280.00}. Thus, I am still being overcharged in the amount of {$280.00}, since I paid Barclays an amount of {$280.00} above the amount which Barclays paid the merchant. The merchant happens to be my health insurance provider. Thus, Barclays now has put my health insurance coverage at risk. 

When Barclays explained in its XX/XX/XXXX letter referenced-above that its contract stipulated a XXXX  % foreign transaction fee and provided me with a copy of such contract, I proceeded to pay the approximately {$400.00} fee which I had originally questioned even though I found it very excessive. I mention this, because ( i ) it was a second issue included in an earlier complaint, and ( ii ) as example of an issue that was resolved once Barclays provided information in response to my complaint. 

Since XX/XX/XXXX, Barclays has not yet been able to provide an explanation of the apparent overcharge. I simply do not understand how I charge one amount on my account and Barclays charges me {$280.00} more. Nor do I understand how in its effort to handle this matter, Barclays now reverses the XX/XX/XXXX transaction with the merchant to now pay it {$280.00} less than the original payment, while Barclays received a higher amount from me. If there is an explanation for this, I ask that Barclays provide it. If there is no explanation, then Barclays should correct the overcharge. 

Lastly, I reiterate how extremely difficult it is to have any communication with or response from Barclays. Since XX/XX/XXXX, I have been attempting to resolve this issue. I am very interested in resolving it once and for all and closing my account with Barclays as soon as possible. 

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 explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
On XX/XX/2024, I received a Final Dispute Resolution and Updated Credit Report from Equifax confirming that the XXXX XXXX Account # XXXX was deleted from my credit file via Confirmation Number XXXX. I previously submitted an FTC Identity Theft Affidavit, Police Report, Letter and Proof of my Identity to Equifax via Certified Mail and requested an Identity Theft Block of this information in XXXX and XXXX under FCRA 605B. Equifax didn't comply with the block and initiated a dispute which I didn't request which was finalized on XX/XX/2024. In XX/XX/2024 Equifax violated FCRA and reinserted the previously deleted XXXX XXXX Account on my Equifax Credit File with no notice and violated 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) in which I am requesting payment of {$1000.00} as well as the block/removal of the XXXX XXXXXXXX credit listing that was previously deleted on XX/XX/2024 and reinserted in XX/XX/2024. I am not requesting any opening of disputes as this prevents me from having access to my credit file. I am NOT requesting any blocks or fraud alerts or freezes to my credit file or any retaliation from Equifax preventing access to my credit file as I need ongoing access to monitor my credit. The XXXX XXXXXXXX XXXX Account has been in an dispute status for 60+ days with Equifax online as this has prevented me from uploading any documents to this account online and a superviser opened a dispute for the reinserted XXXX XXXXXXXX account although the account was previously deleted with no notice from Equifax for reinsertion. I spoke with a Supervisor by the name of XXXX with Employee ID XXXX who confirmed that the XXXX XXXXXXXX account was previously removed as a result of dispute in XX/XX/2024 and removed from my Equifax credit file. I have not received any correspondence from Equifax since XX/XX/2024.

Company response to consumer: Closed with non-monetary relief