vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
I separated from the military in XX/XX/XXXX. Due to this, I broke my lease with XXXX XXXXXXXX XXXX moving out XX/XX/XXXX. I had fully paid my rent during my time there. On XX/XX/XXXX, I received an email from XXXXXXXX XXXX XXXX stating I owed money, which I disputed. A representative from XXXX XXXX XXXX was confused about the debt and had to talk to management. Despite repeated attempts to contact them after this, I received no further communications ( see attached email thread ). On XX/XX/XXXX, I received a letter from National Credit Systems claiming I owed {$2300.00}. I responded that week with to dispute the debt and request debt validation. I have not heard anything from National Credit Systems since. In XXXX, XXXX, National Credit Systems reported the debt to the credit bureaus. I have since disputed this to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I made two purchases from Best Buy totaling {$1600.00} and was supposed to receive both XX/XX/2023. I was not home and had instructed delivery drivers to leave my package on the side porch. I had received delivery photos and instantly started heading home since they left them on my front porch. By the time I got home ( about 30 minutes-1 hour after delivery ) my packages were not on my front porch. I had checked with all surrounding neighbors to see if they received my packages or seen anybody around my house and they all said no. I called Best Buy soon after and explained my situation and they had told me they could refund my money, or send me a replacement. I asked for my money back so I could go in store to purchase instead and they agreed. I was told to wait about 7 days for the funds to be returned back. I called every 3-7 days for the next month and was always told to wait because the money was coming back but it never did and they just kept pushing it farther and farther. I made a police report in XXXX after being ran around by this company for months and being told they can not do anything for me. Police officers told me there is not much they can do because it has been months. I had called and tried to dispute both charges twice and was told that the people I was talking to probably did not understand my situation and should not have told me I could get a replacement or my money back. Best Buy had also told me they had made claims with XXXX  ( the delivery company ), but I had called XXXX  to see if I could open my own claim and I was not able to since I was not the ones that sent the package. XXXX also had absolutely no record of any claims being made from Best Buy regarding my packages, which was extremely frustrating as I had been calling Best Buy 2x a week for months to check on my refund and I had made countless claims. Now I am being charged interest on my account as well and the purchases combined are now {$1600.00}. 
I had called them 12 times between XX/XX/2023 and XX/XX/2023.

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 2024-03-26 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: NJ

Complaint narrative:
These accounts contain information that is not reflective of my financial history and behavior. As a result, these inaccuracies have adversely impacted my creditworthiness and financial standing.

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 2024-03-26 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: MA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1500.00}

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 non-monetary relief
Consumer complaint received 2024-03-26 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: MA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
Physical action was not taken but all the communication was done by via chat and the people behind that chat was really rude and unprofessional - telling me that I had to make a deposit of {$20000.00} to be able to withdraw my money and if I don't do that, my account will go on a frozen status and my information will be transfer to the US government because I was doing some laundry money - I told them to subtract the money off my account and they said no - because they were unable to do that and for me to withdraw the money - I needed to make the deposit Please refer to the letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 explanation
Consumer complaint received 2024-03-26 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:
XXXX account # XXXX is reporting XXXX and XXXX  day late payments on XXXX and Equifax. I spoke to XXXX and stated they do not have any record of my account ever being late. I have sent out numerous letters to XXXX and Equifax to have the late payments removed and i have been continuously ignored by both credit breaus. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX account # XXXX is reporting XXXX and XXXX  day late payments on Experian and XXXX. I spoke to XXXX and stated they do not have any record of my account ever being late. I have sent out numerous letters to Experian and XXXX to have the late payments removed and i have been continuously ignored by both credit breaus. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.

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 2024-03-26 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: NJ

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-03-26 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: LA

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 non-monetary relief
Consumer complaint received 2024-03-26 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: TX

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 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 2024-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
On XXXX I got approved for a {$750.00} flex loan upon receiving this loan I was told Ito give my bank account and routing number and debit card information the company took copies of it saying at the beginning when I was applying for the loan that the money would be deposited in my bank account. They told me I was approved for {$750.00} then the clerk said they can only give the money to me on a XXXX XXXX debit card upon activation of the card {$5.00} was already taken off the card which that was never explained to me. We talked about repayments for the loan it was stated to me that I will be notified by phone call mail or email when a payment was going to be taken out of my account the 1st payment I was notified by phone call the second also by the third payment I just start seeing different names taking money out of my account which was causing overdraft fees they would take payments 2 times a week without notice so on XX/XX/2024 I walked in because upon calling asking questions I kept getting hung up on I asked for a copy of my contact which I never received it was told by the manger that it would be emailed i never got it but he gave me a copy when asked for payment history he said they would mail it to me I never received it I also submitted revocation of authorized payments for debts which I didnt know I signed up for because I was told o was given my bank information for money to be put in my account not for repayment upon submitting the letter I told them to mail the invoice and I will pay in person today is XX/XX/2024 and I still havent received payment history or invoice but on XX/XX/2024 they took XXXX out of my account and XX/XX/2024 they took 2 payments of XXXX which equals XXXX i still havent got a notice of payment history or payment dates this company goes by so many different names that I never gave permission to access to my bank account I have videos proof and I have my bank statements just didnt want to upload until I can find away to upload without my account information on there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: OK

Complaint narrative:
Throughout, I've made certain payments on this account are promptly settled, avoiding any overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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:
I asked these credit reporting agencies to stop invading my Privacy via the Privacy Act of 1974 and they have refused to comply. XXXX, XXXX and TransUnion are all reporting negative items on my report further committing Defamation and Emotional distress to my life and credit report. 

These are charged off items which are now income as the bank has already completed their 1099 processes and are continuing to report this on my account. This is illegal to even report and they are continuing to violate the law.

I am a federally protected consumer. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of the sale or disclosure of my personal information pursuant to 15 U.S.C. 6802 ( a ) ( 1 ) ( B ).

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 2024-03-26 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:
I asked these credit reporting agencies to stop invading my Privacy via the Privacy Act of 1974 and they have refused to comply. XXXX, Equifax and XXXX are all reporting negative items on my report further committing Defamation and Emotional distress to my life and credit report. 

These are charged off items which are now income as the bank has already completed their 1099 processes and are continuing to report this on my account. This is illegal to even report and they are continuing to violate the law.

I am a federally protected consumer. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of the sale or disclosure of my personal information pursuant to 15 U.S.C. 6802 ( a ) ( 1 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
I have XXXX late payments reporting that shouldn't be reporting according to 15 USC 1681 A ( 2 ) ( I ) which stats the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; MY TRANSACTIONS are my payment history therefore the accounts shouldn't be reporting late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
I am not liable for this debt with USCB America. I do not have a contract with the collection agency, trying to collect and reporting this to my credit report. They did not provide me with the original contract as requested. I would like to know what information was provided to show proof that they violated my HIPAA protection rights. They obtained medical information concerning my medical history and used it to threaten and harass me to pay a bill. My XXXX writes are clearly violated by XXXX obtaining my medical history information. I want their collection thats of two that disputes removed from my credit history immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
My mortgage was recently acquired by Roundpoint. I also pay my mortgage early, the XXXX payment I made to Roundpoint, it was the first payment sent to them using the payment slip they provided, was not applied to my XX/XX/2024 payment. I have no idea what they applied it to. It is like a payment was not sent from the prior mortgage company to Roundpoint. I tried to look on line, their website offers NOTHING on past payments. I tried to call them, all I get is a recorded message about tax forms, over and over. No option to speak to a person. I feel as if they lost a payment or misapplied it somewhere and they are providing no way for me to contact them and get this resolved. The number I found online, different from the number on my statement, goes to another company that purchased Roundpoint and that company has an overseas call center support and they just send me back to Roundpoint. This whole situation is horrible. My mortgage has been sold to Roundpoint, and now Roundpoint has been acquired by another company and I'm missing a payment to my loan and have no way to contact anyone to fix this.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a Barclays Mastercard. My Escrow Company issued checks to pay off some of my debts. XXXX XXXX checked- a check was Cashed in the amount of {$400.00}! 
XXXX cleared in XXXXXXXX XXXX However, looking at copy of the check I see XXXX XXXX & Barclay. 
I would just like the check back, so the RIGHT company get paid. 
I only put my name on the check. No account # # Thinking in today 's Word that could match the Name & Amount-So Wrong I am a XXXX person and this Very Stressful!! 
Please help me. 
Thanks

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