vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2024 Subject : Request for Copy of Form 1099-C Dear : RNT DEBT, I hope this message finds you well. I am writing to request a copy of the IRS Form 1099-C for the cancellation of debt related to the charge-off/collection account under my name, reported to the credit bureaus.

I have noticed this account reflected on my credit report, and I would like to have all necessary documentation, including the Form 1099-C, which should reflect the cancellation of the debt. If this form has already been issued, kindly forward a copy to me at your earliest convenience. If it has not yet been filed, please provide a timeline for when I can expect to receive it. 

Here are my details for reference : Full Name : XXXX XXXX Account Number : XXXX Social Security Number : XXXX Date of XXXX I would appreciate your prompt attention to this matter and look forward to receiving the requested document as soon as possible. Please feel free to contact me if further information is required to process my request. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I was a tenant at XXXX XXXX. I moved out and contacted the front office several times before moving and noone never came to view the apartment. After several months i an being charged for carpet that gets replaced after every move in, cabinets that was broken before i moved in and a hole in the wall. All of these items was listed on a pre inspection report that the apartment complex has refused to provide. I have gone to the complex, called them, and emailed them and they refuse to give me a copy of the report which has all of the things listed that they are trying to charge me for. No one never came to fix any of these problems. XXXX XXXX  cant keep upfront managers or people that know how to conduct business. They are very fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit is attempting to illegally collect debt. They purchased years ago. They continue to reset debt from years ago, which is highly illegal. The statute of limitations for debt in Texas is four years. The debt they state is owed has exceeded four years. They need to stop contacting me and dismiss this debt that they are illegally attempting to collect. They are breaking the law in Texas and I will proceed with legal action if they do not dismiss this within a timely manner. They are negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The company sent an approved forbearance notice for XXXX  2024-XXXX  2024. However, the company reported the account as late for XX/XX/year>2024 and XX/XX/scrub>XXXX  2024. I have been denied access to other opportunities because of the recent dates of reported late payments by this company.

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 2024-10-23 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: MD

Complaint narrative:
The company sent an approved forbearance notice for XX/XX/2024-XX/XX/2024 However, the company reported the account as late for XX/XX/year> and XX/XX/year>. I have been denied access to other opportunities because of the recent dates of reported late payments by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: MD

Complaint narrative:
The company sent an approved forbearance notice for XX/XX/2024-XX/XX/2024. However, the company reported the account as late for XX/XX/year> and XX/XX/year>. I have been denied access to other opportunities because of the recent dates of reported late payments by this company.

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 2024-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
XXXX XXXX attempted to collect nonexistent debt in the amount of {$150.00} on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: AR

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 ( 5 ), 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.

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 2024-10-23 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: AR

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 ( 5 ), 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.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX of 2024 I visited a XXXX while traveling to see my friend in New Jersey. This was the XXXX XXXX NJ XXXX location. I went to the back section of the store looking to buy a USB adaptor, I selected a single item that was on sale for under {$20.00}, and walked over to the back register in the tech section and attempted to check out. An older lady behind the register had me try my card in the reader twice and stated that it wasnt working, no charges went through, and that I needed to check out at the front register. I then went to the front of the store and was finally able to check out with my single item, costing a total of {$19.00}. Soon after I left the store, when I checked my transactions on my credit card I noticed a large unapproved charge from shortly before I was able to purchase my product at the front of the store. This charge was for {$210.00} and is labeled slightly differently than my approved charge from the card reader at the front of the store. I believe there was either a skimmer on the card reader in the back tech section of the store, or the employee had charged my card for an unrelated and unapproved order despite claiming I was not charged. I have tried to dispute this unauthorized charge twice on my Apple Card with Goldman Sachs, but they stated they were able to confirm from XXXX that I authorized both charges which is completely false and physically impossible considering the fact that I left the store with only one single item valued under {$20.00}. The only proof XXXX provided that I was not falsely charged at their location was their transaction history showing that they had only charged me once, however my statement shows XXXX charges from XXXX during the time I was there when I only purchased XXXX product. Upon giving more information regarding the circumstances to Apple Card support, a team member advised me that they dont think its a good idea to use physical cards and that I should instead attempt to use tap to pay ( which is not even offered at XXXX XXXX many other major retailers ). This was also alarming as it seems even XXXX support knows their physical card is susceptible to scams, and even went as far as to advise me against using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: MD

Complaint narrative:
I purchased a one-time subscription from XXXX online design elements on XX/XX/year> at a cost of XXXX {$110.00}. That was to facilitate an online design business I was attempting to commence with XXXX. That business did not pick up and the need to maintain a subscription with XXXX products would not have been necessary for me. Nonetheless, my subscription to XXXX was a one-time event. I did not subscribe for annual renewals to a product. I was thus very unpleasantly shocked to discover new charges to my Barclay Mastercard, long after I had ceased to use XXXX products. 
What XXXX did was to retain my card particulars and to charge a renewal fee for a subscription that I did not request. 

When I saw the new charge on my card, I tried to log onto the site hoping to file a complaint or ask for a refund, but to no avail. The site does not provide such info, and I was left to request Barclays to cancel the transaction. The bank removed the transaction but reinstated it a few days afterwards, stating that XXXX had provided evidence that I had made a new subscription. That claim is false and misleading and nothing has been provided to authenticate it. My last use of the XXXX product was around XX/XX/year>. 

I have made multiple telephone calls and sent faxes to Barclay Card, but every time I am taken round in futile circles. It is my understanding that the bank makes money from purchases on my account, not on cancelled transactions. I infer therefore, thats the reason for their reluctance to cancel the fraudulent charge. At XXXX point, a Barclay card agent gave me a number to call XXXX, XXXX. Ive tried it multiple times, but it goes to an unmanned answering machine. The XXXX website has no customer care number or email address by which I could communicate with them, only an address registered in XXXX. 

I am reaching out to you to help me have the fraudulent charge and interest associated with it reversed from my Barclaycard account.

Thank you in advance for your assistance

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 2024-10-23 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: AZ

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2024-10-23 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: AZ

Complaint narrative:
This account was charged off on the following date. XX/XX/year>, Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-23 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. 
Please delete the following accounts. 
XXXX XXXX XXXX XXXXXXXX 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 2024-10-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I want to inform you that I have been of victim of identity theft, and my information was used to open fraudulent accounts ( loans ). 
Identify items are resulting from the identity theft that and they must be blocked or deleted from my credit reports. According 605B of the Fair Credit Reporting Act. 

XXXX XXXX XXXX Account XXXX Balance {$40000.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Total fraudulent amount : {$39000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I want to inform you that I have been of victim of identity theft, and my information was used to open fraudulent accounts ( loans ). 
Identify items are resulting from the identity theft that and they must be blocked or deleted from my credit reports. According 605B of the Fair Credit Reporting Act. 

XXXX XXXX XXXX Account XXXX Balance {$40000.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Total fraudulent amount : {$39000.00}

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 explanation
Consumer complaint received 2024-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and XXXX has XXXX unknown inquiries on my credit report. I need this resolved immediately

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