vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
It says the lease was made XX/XX/2023 which is fraudulent because i have never heard of this place i tried calling and also sent mail but have heard anything i started this the first of XXXX when i seen it on my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
I have 3 unauthorized hard pulls on my Transunion credit report. They are XXXX XXXX XXXX (XX/XX/2024, XX/XX/2024 ), and 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 2024-03-19 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: TX

Complaint narrative:
I was enrolled in the hardship program with XXXX XXXX credit card beginning in XXXX of XXXX and following months. The financial program does not report late payments while in program however the credit bureau still is reporting late. I confirmed over the phone with the company that I was in fact enrolled during this time. I was also enrolled in this same program in XXXX of XXXX and am facing the same issue with late reporting while in program. The credit report itself shows I am in the financial hardship program so they know for a fact that I was enrolled and decided to erroneously report late payments. They also reported late payment in XXXX of XXXX which shows payed before due date and posted.

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 2024-03-19 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:
I was enrolled in the hardship program with XXXX XXXX credit card beginning in XXXX of XXXX and following months. The financial program does not report late payments while in program however the credit bureau still is reporting late. I confirmed over the phone with the company that I was in fact enrolled during this time. I was also enrolled in this same program in XXXX of XXXX and am facing the same issue with late reporting while in program. The credit report itself shows I am in the financial hardship program so they know for a fact that I was enrolled and decided to erroneously report late payments. They also reported late payment in XXXX of XXXX which shows payed before due date and posted.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was never informed through US postal nor email that I was entitled to the Equifax breech Settlement. I can not access my credit report. The credit report summary is blocked. I requested to speak with a supervisor. I was told they are unviable. During the year XXXX, I have a complaint with both XXXX XXXX XXXX Sheriff department, US Postal Inspector General, and The Florida Attorney General Office regarding the US Postal carrier 's children. Going through my mailbox and through my mail on the ground. I also checked my email history from Equifax dated back to the year of XXXX. Equifax never communicated with me at all. My discovery was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After seeing several posts, and many pictures, about reconditioned wood stoves in a XXXX XXXX XXXX group, I commented on a particular woodstove a guy had for sale. After several conversations, the guys sent me about XXXX different pictures of 3 reconditioned wood stoves I was considering for a new home I'm building in XXXX, while I'm currently living in XXXX. We agreed on a price of {$900.00} for the XXXX I wanted, and on XX/XX/2024 I sent a deposit of {$350.00} to XXXX XXXX XXXX on his XXXX account referenced by phone number XXXX. The {$350.00} was paid by my Bank of America Business account # XXXX. 

On XX/XX/XXXX, this XXXX sent me a XXXX message saying they had a death in the family, and he would be out of town for a few weeks, and wanted to complete the sale. After much thought, I sent the man the {$550.00} balance, plus another {$250.00} for shipping. The {$800.00} was paid by my Bank of America personal account # XXXX. 

XXXX minutes later, I received an email from a shipping company, XXXX XXXX XXXX, telling me my tracking # XXXX which could be tracked at : XXXX. Tracking showed the stove to be shipped XX/XX/XXXX, arriving at my new house XX/XX/XXXX, while I was there. Then on XX/XX/XXXX, I got another email from the trucking company wanting another {$650.00} " refundable insurance ''. At that point, I knew I was scammed. The man tried to convince me that he would pay {$350.00}, so that I only had to pay another {$300.00}. After considerable research, I learned the man was a fraud, frequently scamming others, the Trucking website was his fake site in an attempt to scam people of even more money. 

I immediately tried to contact XXXX, but they won't talk to you if you sent money from your Bank of America app, you have to contact bank directly, which I did. I filed two claims, since 2 separate accounts paid. About 10 days later, I received 2 form letters saying they were denying my claims, they paid the money I told them to, and it was gone. They forwarded info to XXXX to investigate. Completely furious that BoA nor XXXX seems to have an interest in me reclaiming my money, or stopping others from being scammed, I called and complained to Bank of America again, then called XXXX and complained. Both just kept referring to legal jargon in their terms of service as justification for doing NOTHING. Then, a few days later I got a credit of {$170.00} in my account, no explanation, then a letter a few days later saying the claim was paid and closed. Like I'm supposed to be satisfied. 

Bank of America and XXXX sell themselves as the safe and convenient way to transfer money, but that's FAR from the truth. They hide behind legal jargon and do nothing to protect customers!!

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 2024-03-19 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: MS

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
I found out last year that my credit was used in identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-03-20 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: NY

Complaint narrative:
- I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations 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 non-monetary relief
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
I have noticed several authorized inquiries on my credit report that I would like removed. I am a victim of identity theft. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XX/XX/XXXX, I was alerted by my XXXX XXXX that my credit report through Equifax was unable to be pulled. 

XX/XX/XXXX, after numerous calls and being transferred to different departments just for the call to be disconnected. I was finally able to get someone on the phone to figure out what was going on. My birthday year was changed from XXXX to XXXX, I was able to upload my drivers license via website and that was verified. Now XXXX, same issue there's a block somewhere, I sure haven't placed a block or a freeze. Called again, this time it's my address being flagged as fraud!! I was told the only way possible yo get this fixed is to send them a copy of my driver 's license and social security card, as well as a utility bill. That is not at all secure, which can cause even more issues. I asked for a better, more secure option and was told to send it by priority mail. 

I'm paying substantially more for everything because lenders can not pull my report to offer better rates. This has caused a considerable amount of unneeded stress. The only solution is to send all my information via the postal service. I can verify my identity through the IRS so much easier than Equifax. 

There has to be a better solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$360.00} XX/XX/2022 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$360.00} XX/XX/2022 15 U.S.C , 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2024-03-19 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: NY

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 XXXX, and, XXXX XXXX has violated my rights. 

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 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I experienced an issue with a debt collection agency working on behalf of XXXX due to a bill that was mistakenly sent to my old address, which I never received. At no point did XXXX attempt to contact me via phone or email regarding the outstanding balance. The first time I became aware of the debt was when I was contacted by the debt collection agency. 

Today ( XX/XX/year> ), I was approached by the agency demanding immediate payment. I was surprised by the outstanding balance, as I had not received any prior communication about it. The initial call was to notify me of the outstanding balance, during which I inquired about the payment 's due date and any relevant information they had, as I had a pressing meeting to attend. After the meeting, I called back with the intention to gather further details about the invoice to assess the situation and decide on contacting XXXX directly for verification. Unfortunately, during my attempts to responsibly address and understand the issue, I was met with undue pressure from the agency representative. Despite explaining my intention to verify the debt and expressing my willingness to resolve the matter by the end of the day, I was coerced into making an immediate payment over the phone. The collector leveraged the fact that " you called us 3 times already '' as a rationale for insisting on immediate payment, applying significant pressure that led to my reluctant compliance. 

Subsequent to this pressured payment, I reached out to XXXX to update my contact information and verify the debt details. It was then confirmed that the initial billing communication had been misdirected to an incorrect address, the root cause of this misunderstanding. 

This incident has exposed serious concerns regarding the debt collection agency 's aggressive tactics and XXXX 's billing communication practices. The absence of any attempt by XXXX to contact me through more direct means before resorting to debt collection, coupled with the collection agency 's high-pressure tactics, has caused unnecessary stress and financial inconvenience.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief