vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX I called BarclayCard to dispute the purchase related to a free luggage benefit on its XXXX XXXX XXXX. The XXXX check in desk refused to honor it stating that the benefit must come in form of credit from Barclays Card. Since the CSR refused to provide this benefit and and attempted to switch the call to XXXX representative instead, I requested service to dispute the purchase. It was refused by the Barclays Card XXXX based representative. I was then told that supervisor will call back within 1-2 business days to address the issue. Nobody called back. Meanwhile Barclays XXXX put the card and its charge into the overdue category while assessing late fee and finance charges. On XX/XX/XXXX I called again and I requested to speak with the XXXXbased supervisor that has authority to address the issue. Once again the XXXX based representative, this time named XXXX put me into a very long hold with assurances that I will be transferred to the XXXX representative to address the issue. However he lied to me after XXXXXXXX XXXX hold and assurances I was still unable to speak to someone to address the issue. It is evident that Barclays Card is unwilling/unable to address the issue and it doesn't want to provide a free check in luggage benefit it advertises as benefit on its card. This type of behavior is truly reprehensible and possibly illegal as the company is not only misrepresenting its financial product terms and condition but it is also not interested in providing a meaningful and productive customer service. It is outrageous that the Barclays Card customers are treated this way.

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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The company ( National Credit Systems ) is reporting a balance owed that I've disputed now a couple of times with them. The original creditor ( XXXX XXXX ) did not send me a list of proposed deductions within 3-5 days of me moving out as required by law in Georgia, also per the lease under # 39 of the agreement. After receiving this list, I should have had the opportunity ( until the 5th day ) to come back and remediate the damages if so chosen to do so. I did receive a move out statement 4 days after vacating and then several additional times after that. They continued to send me the same final moveout statement and did not show any damages for carpet repair or replacement. Roughly about three weeks later, they sent me another statement saying they needed to replace the carpets due to stains they could not clean. I lived in that unit for 7 months and did not allow walking in the unit with shoes, there were no pets, and my family and myself only ever ate in the kitchen. Upon receiving these claims, I asked them to send me photos of the carpets ( all 3 bedrooms ), which she was not able to provide. The rep eventually stopped responding to me and there never was a resolution. I have since tried to dispute this with their representing agent ( National Credit systems ) to no avail. XXXX XXXX has since gone out of business and National Credit Systems refuse to give me any contact information for the individual who they spoke to when handling my dispute. I am in the process of filing a complaint with National Credit Systems as well for violating my privacy rights. I am totally fine with paying my true balance of roughly XXXX, but I am not ok paying the additional XXXX. This has significantly affected my credit rating as well as my ability to obtain housing. During the months there, I had no issues with them and my rent was consistently paid on time. A satisfactory result for me would be for them to allow me to settle based off of the XXXX amount originally stated that I owed. I have since dealt with aggressive conduct from their agent XXXX XXXX, ( I can provide full name later ) who has hung up on me ( phone call on XX/XX/XXXX at XXXX XXXX ), violated my fcra privacy rights on XXXX by answering the call asking me for my name then immediately beginning to discuss my account with me before verifying my information ( account #, last 4 of s.s.n, address, telephone number, email for verification purposes per their company policy ) or stating their disclosure of being a debt collector. Dealing with this company has been a nightmare, please help. I have more documents I can provide as proof including XXXX changing my balance to XXXX through their dispute process which resulted on XX/XX/XXXX- via report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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 to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-22 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:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-19 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: FL

Complaint narrative:
You are showing a balance on a closed account is a violation of the law and the law states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-07-19 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: FL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-07-19 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:
Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: PA

Complaint narrative:
XXXX XXXXXXXX account XXXX XXXXXXXX, is reporting to XXXX that date of ast payment was on XX/XX/year> and a last date active on XX/XX/year> and Equifax is reporting the same XXXX XXXXXXXX account # XXXX, with a date of last active on XX/XX/year>, and a date of last payment on XXXX and XXXX XXXX does not report it nor have it as hurting my chances of getting a first time home buyer loan please remove all the confusions and misinfomation about me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: PA

Complaint narrative:
XXXX XXXX account XXXX XXXXXXXX, is reporting to Experian that date of ast payment was on XX/XX/year> and a last date active on XX/XX/year> and XXXX is reporting the same XXXX XXXXXXXX account XXXX XXXXXXXX, with a date of last active on XX/XX/year>, and a date of last payment on XXXX and XXXX XXXX does not report it nor have it as hurting my chances of getting a first time home buyer loan please remove all the confusions and misinfomation about me

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 2024-07-20 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a survivor of XXXX XXXX, a form of XXXX XXXX where I was forced into accumulating debts under coercive circumstances. This situation has resulted in several derogatory marks on my credit report. I am currently being assisted by a representative from the XXXX XXXX, an organization dedicated to supporting XXXX XXXX XXXX. We are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to remove adverse information linked to XXXX once an official claim has been filed.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
I am a survivor of XXXX XXXX, a form of XXXX XXXX where I was forced into accumulating debts under coercive circumstances. This situation has resulted in several derogatory marks on my credit report. I am currently being assisted by a representative from the XXXX XXXX, an organization dedicated to supporting XXXX XXXX XXXX We are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to remove adverse information linked to XXXX once an official claim has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I started an XXXX Transfer from Optum Financial to XXXX on XX/XX/year>. 
Optum Financial was negligent and never sent my funds to XXXX. 
Funds were withdrawn from my account and nobody knows where they are at. 

After calling multiple times, Optum Financial says the funds are expected to arrive on XX/XX/year>. 

HOW CAN A SIMPLE TRANSFER TAKE UP TO 2 MONTHS?????? 
Imagine is someone is having a a medical emergency and needs to transfer XXXX funds that take 2 months ... Shameful experience using Optum Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The company ( National Credit Systems ) is reporting a balance owed that I've disputed now a couple of times with them. The original creditor ( XXXX XXXX ) did not send me a list of proposed deductions within XXXX days of me moving out as required by law in Georgia, XXXX per the lease under # XXXX of the agreement. After receiving this list, I should have had the opportunity ( until the XXXX day ) to come back and remediate the damages if so chosen to do so. I did receive a move out statement 4 days after vacating and then several additional times after that. They continued to send me the same final moveout statement and did not show any damages for carpet repair or replacement. Roughly about XXXX weeks later, they sent me another statement saying they needed to replace the carpets due to stains they could not clean. I lived in that unit for 7 months and did not allow walking in the unit with shoes, there were no pets, and my family and myself only ever ate in the kitchen. Upon receiving these claims, I asked them to send me photos of the carpets ( all XXXX bedrooms ), which she was not able to provide. The rep eventually stopped responding to me and there never was a resolution. I have since tried to dispute this with their representing agent ( National Credit systems ) to no avail. XXXX XXXX has since gone out of business and National Credit Systems refuse to give me any contact information for the individual who they spoke to when handling my dispute. I am in the process of filing a complaint with National Credit Systems as well for violating my privacy rights. I am totally fine with paying my true balance of roughly XXXX, but I am not ok paying the additional XXXX. This has significantly affected my credit rating as well as my ability to obtain housing. During the months there, I had no issues with them and my rent was consistently paid on time. A satisfactory result for me would be for them to allow me to settle based off of the XXXX amount originally stated that I owed. I have since dealt with aggressive conduct from their agent XXXX XXXX, ( I can provide full name later ) who has hung up on me ( phone call on XX/XX/XXXX at XXXX pm ), violated my fcra privacy rights on XXXX by answering the call asking me for my name then immediately beginning to discuss my account with me before verifying my information ( account #, last XXXX of XXXX, address, telephone number, email for verification purposes per their company policy ) or stating their disclosure of being a debt collector. Dealing with this company has been a nightmare, please help. I have more documents I can provide as proof including XXXX changing my balance to XXXX through their dispute process which resulted on XX/XX/XXXX- via report number xxxxxxxxxx

Company response to consumer: Closed with explanation