vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: PA

Complaint narrative:
XX/XX/year> - I reached out to the the creditor that they information that they are reporting is inaccurate i sent them proof of what is inaccurate. they agreed that it was indeed incorrect but still will not remove it from my credit which is in violation of the FCRA. A creditor can not knowingly report inaccurate information on your report and still not delete it. 


The Fair Credit Reporting Act mandates that credit reporting agencies must investigate and correct any inaccurate information on your credit report, including instances where a debt is reported by both the original creditor and the collection agency after it has been sold There response below : The incorrect account with XXXX XXXX starts with XXXX will not been changed and will remain on your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Made a qualifying charge on my XXXX XXXX card ending in XXXX ( expiration date XX/XX/XXXX ) for the XXXX {$200.00} XXXX XXXX credit on XX/XX/XXXX, that showed as pending on XX/XX/XXXX. 

XXXX posted on XX/XX/XXXX, which triggered the XXXX {$200.00} XXXX XXXX credit. 

I called and messaged Amex and was told there was nothing they could do, as the transaction didn't post until XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
This company mariner finance is currupt.Inaccurately reporting my account as charged off.I had COVID very bad I called and let them know they put me on a deferment for XXXX months I wasnt due to make a payment but tried anyway it bounced. They said even though I had a deferment and tried to make a payment and it bounced and a payment wasnt due it voided my deferment.I thought I was doing goodwill for trying and all my other bills were also coming out abd wasnt working.I wasnt able to answer the phone they filed a judgment against me in court.i was never XXXX  days late for them to do that and they are inaccurately reporting on my report.I made up the missing payments and attached my payment history there were never any long gaps of no payment since them reporting my charge off in XXXX u see my payment history says regular payment non late for XXXX already pay XXXX percent with this company had multiple loans in past always a good customer.Please delete this fully from my credit inaccuracies require deletion.They prey on innocent consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I logged into the American Express Gift Card website to check the balance ( {$100.00} ) on my " Gift Card '' and noticed that a Hold was placed on it. The website stated you must contact the number listed on the back on card, which I did on two separate occasions ( XX/XX/year> & XXXX ). Both instances were the same song and dance : 1 ) Call number and enter your card info ; request contact with a " customer service rep '' 2 ) Rep answers, asking for first name and then places you on hold 3 ) Rep returns stating there is a Hold on the account due to what appears to be fraudulent activities and that they must transfer you to someone that can issue you a new card and places you on hold 4 ) Rep returns stating everyone is busy at the moment and they can try again or you can call back later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Dear ( Debt Collector ) PHOENIX RECOVERY GROUP I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors. I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
I have consolidate my student loans, but since the numbering system of loans are being used, I am unable to verify my count data. Out XXXX payments, how many more do I have? How many loans do I still have to pay and when will the payment counts be adjusted as I have consolidated due to the instructions put forth by the DOE. The XXXX XXXX website is convoluted and I don't know where I stand in payment counts. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NV

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, account # XXXX has violated my rights. 
15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish the account with
out my written instruction.


15 USC 1681 C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 S-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-04 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: TX

Complaint narrative:
Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX  This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX This account is being reported inaccurately, please remove it 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 explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
Hi I am XXXX XXXX. I live in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was monitoring my credit report the other day and got shocked from the fact that someone tried to apply for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute those inquiries from my report. Please remove following inquiries from 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 2025-01-04 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:
Well I pay all my bills on time never missed a payment I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX been have them for 4 years or more never missed a payment applied for more credit cards always denied my credit score goes up and down but never above what it should be always tell I have to many inquiries and not long enough with the credit cards if XXXX year isnt long enough than I think thats a problem every show a good and honest credit reporting all ways pay bills on time never late why is my credit score in the 500s it not accquicted to me it should be in the XXXX by now Ive kept every receipt from my payments from every company yes I applied a lot of times and the reason that was because I was always denied which I should not have been XXXX XXXX XXXX please Contact me to let me know whats going on in my reports I do want a dispute you can email or mail me a dispute form at XXXX XXXX XXXX XXXX XXXX XXXXXXXX once again thanks you Mrs.Horton

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 2025-01-04 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 formally dispute inaccurate information contained in my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). Specifically, I request your assistance in investigating and removing the inaccurate entries that are affecting my credit profile.

According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ), inaccurate or unverifiable information must be promptly addressed and removed from a consumer 's report. 

After reviewing my credit report, I have identified the following inaccuracies requesting for removal immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX Transunion Credit Accounts XXXX XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX XXXX Credit Accounts XXXX  XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$14000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$12000.00} Open/closed Closed Date opened XX/XX/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 2025-01-04 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). Specifically, I request your assistance in investigating and removing the inaccurate entries that are affecting my credit profile.

According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ), inaccurate or unverifiable information must be promptly addressed and removed from a consumer 's report. 

After reviewing my credit report, I have identified the following inaccuracies requesting for removal immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX XXXX Credit Accounts XXXX  XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX Equifax Credit Accounts XXXX  XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
15 U.S.C 1681 A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have no knowledge of these inquiries XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this address I never lived in Texas or even been My information was stolen during that date breach the

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 2025-01-04 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: MO

Complaint narrative:
15 U.S.C 1681 A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have no knowledge of these inquiries XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this address I never lived in Texas or even been My information was stolen during that date breach the

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 2025-01-04 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: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
this company knowingly reported inaccurate data. My credit profile has been affected by these penalties. This looks suspicious and deceptive. I demand proof TO SEE valid authorization/proof of the alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer right. I XXXX XXXX XXXX legally request a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days. Failure to comply with these federal regulations by the FTC. 

I am maintaining careful record of my communication with your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
XXXX I paid XXXX XXXX to fix my Credit XXXX  and it was never fix I was making payments every month and nothing changed

Company response to consumer: Closed with explanation