vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I signed a lease agreement with XXXX XXXX XXXX. This new lease included a change to my monthly rent, which was fully executed on XX/XX/XXXX. 

On XX/XX/XXXX, all residents receive notice that the ownership of the apartments is being transferred to a new company. Payments at this time are stopped while the new management is setting up their payment system. 

On XX/XX/XXXX, the new apartment management informs me they are moving me out of my apartment and into a different one. I did not have a choice in which apartment they moved me into. The move is completed on XX/XX/XXXX by the apartment management, without providing me any time to document the state of the apartment before I moved into it. 

Some time in XXXXXXXX XXXX  XXXX the new apartment management finishes setting up their payment portal, and I notice my rent is incorrect. They carried over my rent from my old, unrenewed lease to their system. It takes months of fighting with them to get this addressed. 

Throughout my lease, there are many modified fees and charges that are applied that were not agreed upon in my signed and executed lease with the previous apartment management. 

At the end of the lease in XX/XX/XXXX, the new apartment management assesses cleaning fees that were not agreed upon in my executed lease. In addition, there are repair charges for items that were not damaged during my occupancy. I requested information from the apartment for proof that the claimed damages did not exist prior to my occupancy, and the apartment management never responds. I continue contacting them until XXXXXXXX XXXX XXXXXXXX, when it was clear that they would continue to not respond to any of my attempts to contact them. 

In XXXX, the apartment management sent the account to a debt collector along with an unsigned lease that I have never seen before as their proof that I owe the amount that they claim. 

I received notice of this debt via e-mail from the debt collector in XXXXXXXX XXXX XXXXXXXX. I immediately send a letter requesting validation of this debt, as I have never agreed to pay it. As of now, the debt collector has not responded. 

Some time near XXXXXXXX XXXX XXXXXXXX, the debt collector provides notice to the credit bureaus of an account in collections, despite having no proof whatsoever that I have agreed to pay the amount posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: CA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS FST PREMIER ACCOUNT XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX COMEN HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES | 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX  ACCOUNT # XXXX HAS VIOLATED MY XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES | 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

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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.

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 non-monetary relief
Consumer complaint received 2024-04-16 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: 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX purchased a mattress with the XXXX XXXX Synchrony Bank Credit Card. 

Customer returned the mattress on the XXXX XXXX Synchrony Bank Credit Card to a balance of {$0.00}. 

Synchrony charged the customer a {$41.00} principal interest amount on a balance of {$0.00}. 

Synchrony sold the account to XXXX to collect the {$41.00}. 

XXXX sent the customer a bill for {$360.00} ( {$41.00} + XXXX ) and sent the unpaid bill to the credit reporting bureaus. 

Customer is being wrongfully and illegally charged for not using the credit card. 

Synchrony Bank, XXXXXXXX XXXX and XXXX  are violating the Consumer Credit Protection Act and negatively impacting the customers credit report. 

The customer wants all of the Synchrony Banks, XXXX XXXX and XXXX closed with a negative business rating. They can call the customer to dispute the decision to close their business down. 

The customer wants this transaction removed from her credit report immediately and her credit score points restored immediately. 

Synchrony Account # XXXX XX/XX/year> XXXX 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 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a credit card account on my credit file with XXXX, Transunion and XXXX that wasn't authorized by me. I've asked all parties including XXXX XXXX to provide me with signatures, identification used to make transactions that i did not authorize. I asked XXXX, Transunion and XXXX to reinvestigate in XXXX  and nothing was done. As a consumer all parties violated my rights as a consumer per the Fair Credit reporting Act. 15 USC 1681i ( 5 ) ( A ) was violated and therefore the XXXX 's account has to removed from my credit file within 3 days according to the Fair Credit Reporting Act. Please remove XXXX 's 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 2024-04-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a credit card account on my credit file with Equifax, XXXX and XXXX that wasn't authorized by me. I've asked all parties including XXXX XXXX to provide me with signatures, identification used to make transactions that i did not authorize. I asked XXXX, XXXX and Equifax to reinvestigate in XXXX  and nothing was done. As a consumer all parties violated my rights as a consumer per the Fair Credit reporting Act. 15 USC 1681i ( 5 ) ( A ) was violated and therefore the XXXX 's account has to removed from my credit file within 3 days according to the Fair Credit Reporting Act. Please remove XXXX 's account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tate and Kirlin Assoc
State: CA

Complaint narrative:
Demand payment letter return mail blind envelope addressed to XXXX XXXX XXXX... ... ... ... ..this is not myname not me Tate & Kirlin Associates collection XXXX XXXX, PA collection for XXXX XXXX - XXXX XXXX account XXXX show me a statement from XXXX ... ... ... ..with acct XXXX in my name letter showing they will accept 40 % of balance ... ... ... ... ... ... .. XXXX who does that? 
This seems like a phony collection. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Contacted support line to request closure was told the account had to be reactivated to be closed this was agreed to. Acct was then closed and check issued to company name that currently has no open account. Called and spoke to XXXX people spending XXXX hour trying to get check reissued was told can not do must go to bank currently i am at the bank being told i cant have the check cashed directly to me unless i have an open account and that they can not issue a new one.

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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I disputed a Midland Credit Managment account with XXXX, XXXX and XXXX on XX/XX/2024 and on XX/XX/2024. Midland Credit Managment is falsly reporting amounts to the three Credit Bureau Agencies above. I sent to Midland Credit Managment a Debt Validation Letter via U.S. Postal Service Certified Mail on XX/XX/2024 and I have not received a response to validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: NM

Complaint narrative:
I'm writing to inform you that I've fallen victim to identity theft. This communication serves as a formal dispute regarding the accounts detailed on my credit report. I've proactively reached out to the companies involved and started the essential procedures to address this issue. Furthermore, I've lodged an identity theft report with the FTC and have begun disputes with the relevant companies. I kindly ask for your assistance in resolving this matter. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: GA

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 2024-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA
State: PA

Complaint narrative:
A long standing spousal consolidation was secured by AES in the early XXXXXXXX XXXX The marriage has ended, and payments have been made over the years. 

We tried to convert the AES Spousal consolidation to Department of Ed Direct Loans. This was denied based on the type of loan. 

Because the loans are not Federal, this website is one of the only ways to address the spousal consolidation, but more importantly qualify for student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: MS

Complaint narrative:
I am writing this complaint because have noticed inaccurate accounts being reported with EXPERIAN whom I have disputed with a number of times regarding the very same inaccurate accounts. EXPERIAN is in violation of 15 USC 1681e ( b ). I want them to reinvestigate the inaccurate accounts once more because the accounts have continuously to returned verified when the accounts are in fact inaccurate. I want to ensure that I get a response from EXPERIAN, so I submitted my dispute through this portal.

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 2024-04-15 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: GA

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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
We had money in a CD at Marcus that matured. The funds were moved briefly into our Marcus savings account while we decided what to do with them. We decided to transfer the funds to a different financial entity to pay for a large purchase. My husband initiated the wire transfer and was told it went through, so we wrote the check. But the money didnt go through. They cancelled our transfer and told us we could only transfer it into the account that it came from. What? The funds are ours, from a CD held with their financial institute, and when we need them we cant access them? This is unacceptable. We need access to our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Supposed cell phone account was created using partial information from my account. Police and I suspect that the debt collector is the actual fraud perpetrator. 
The account was created in XXXX XXXX XXXX I thought the issue was resolved but I recently received another notice from the same collection agency. 

I.C. Systems Inc. XXXX XXXX XXXXXXXX, MN There is no actual debt on my credit report nor do I own the phone or have the cell number that the notice referred to. " XXXX XXXX '' was the name of the phone company mentioned in the letter.

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