vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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:
according to the irs and unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-c ( cancellation of debt ) from the following charged off accounts listed below. 
XXXX XXXX XXXX. After checking my most recent report, the updated information stated the account was purchased by XXXX XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-c form also i informed you guys multiple times that this was due identity theft and you failed to provide me of the names and individuals who and when and how this information was verified. Which makes me think you failed to investigate this properly I'm not only demanding the 1099-c form, but I am demanding you guys do a reinvestigation. And I have attached a copy of the inaccurate discrepancies of this account. The date open is incorrect. The timing of the account is closed. ALSO NOT to mention you guys sent me a statement saying this account was deleted and then the next day it was a violation stated below reinserted Section 611 ( a ) ( 5 ) ( B ) ( ii ) ) : If the disputed information is reinserted, the CRA must notify the consumer of the reinsertion in writing within five business days. The notification must include the name, address, and telephone number of the furnisher of the information. You guys didn't send me a letter nor did you guys notify me around XX/XX/year>XXXX XXXX XXXX i got a notification form XXXX which they have now made the file unavailable to me but i still have the screenshot where they told me the account was deleted and not only that I have the phone recording where they notified me it was deleted but reinstated the next

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: GA

Complaint narrative:
according to the irs and unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-c ( cancellation of debt ) from the following charged off accounts listed below. 
XXXX XXXX XXXX. After checking my most recent report, the updated information stated the account was purchased by XXXX XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-c form also i informed you guys multiple times that this was due identity theft and you failed to provide me of the names and individuals who and when and how this information was verified. Which makes me think you failed to investigate this properly I'm not only demanding the 1099-c form, but I am demanding you guys do a reinvestigation. And I have attached a copy of the inaccurate discrepancies of this account. The date open is incorrect. The timing of the account is closed. ALSO NOT to mention you guys sent me a statement saying this account was deleted and then the next day it was a violation stated below reinserted Section 611 ( a ) ( 5 ) ( B ) ( ii ) ) : If the disputed information is reinserted, the CRA must notify the consumer of the reinsertion in writing within five business days. The notification must include the name, address, and telephone number of the furnisher of the information. You guys didn't send me a letter nor did you guys notify me around XX/XX/year>XXXX XXXX XXXX i got a notification form XXXX which they have now made the file unavailable to me but i still have the screenshot where they told me the account was deleted and not only that I have the phone recording where they notified me it was deleted but reinstated the next

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 2024-06-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX I took out a an interest free furniture loan from XXXX XXXX. It was to be interest free for the first year. I made timely payments. In XX/XX/XXXX a balance still remained. Without a phone call or any proof of mailing at this time they started to charge interest on the original principle amount, not based on the unpaid principal as of XX/XX/XXXX. I feel this practice was not explained to me properly and that XXXX XXXX is predatory in every sense of the word. I was told at the time of purchase that I would only owe interest on the unpaid balance. Numerous phone calls by the hour have not helped to fix 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 2024-06-06 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.

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 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 2024-06-06 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: OH

Complaint narrative:
I checked my credit report and the information was not correct. I have contacted them I they have said that the accounts were verified. I asked them to provide to me how they verified/validated the accounts and I received no response. I have checked my other credit reports and it shows that they are reporting different information for the same accounts which is against the FCRA laws and this violates my rights.

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 2024-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: AppFolio, Inc.
State: DC

Complaint narrative:
Hello, My family entered into a new rental agreement to become tenants in a single family home, in Virginia. The owners are using a property management company, which in turn uses a company, AppFolio, which offers an online portal in which tenants can make rental payments, request maintenance services, etc. 

We have discovered, upon trying to pay rent for the first time as tenants at this property, that AppFolio charges not only a 2.99 % transaction fee for payments by credit card and a {$9.00} transaction fee for payments by debit card, but they actually charge a {$2.00} fee even if paying by XXXX. Importantly, my family was given NO options to pay that did not have a fee. A " fee '' that tenants can not bypass is not actually a fee, it is of course a rent increase, which is contrary to the terms of the lease we signed. There were no options to pay rent offered that did not contain a fee, no disclosures regarding how to avoid fees, and no information presented which explicitly stated or even implicitly implied that as tenants we had multiple options to pay, including some which did not require fees. 

Upon researching the issue, it appears that the actual cost to the company to process an eCheck is approximately XXXX cents. That means this fee is XXXX times the cost to AppFolio. This is exorbitant, and it is a fee that is being charged when I, the consumer and tenant, am not receiving any good or service in exchange. I am receiving a service I am being forced into by the property manager and landlord, and it's a service that is typically free and costs next to nothing to process. 

After questioning these fees, the property manager offered us a no fee option, which is a paper check. This is ridiculous, as we should be able to initiate a bank to bank transfer, where the landlord 's bank is the beneficiary and receives the rent each month ; this transfer would be free. Instead, we are forced to use AppFolio, which has deceptive and misleading information on our account, pushes us to pay with fees that are grossly more than the costs to AppFolio to process our eCheck, and when we protest we are offered massively inconvenient options to pay despite the fact that electronic no fee options do exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: NY

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Received a false debt collection reported by XXXX, which was never sent prior. No validation or substantiation was provided previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: GA

Complaint narrative:
Recently I looked at a copy of my credit and found someone has opened an account in my name using my personal information I am a victim of identity theft. 

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 2024-06-06 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:
Recently I looked at a copy of my credit and found someone has opened an account in my name using my personal information I am a victim of identity theft. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX. EQUIFAX Account Name : US DEPT OF THE TREASURY Account # XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. This collection account is reporting not only as OPEN but also shows past due balance of {$2000.00}. 
XXXX. Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly.. This collection account is reporting not only as OPEN but also shows past due balance of {$190.00}. 
XXXX. Account Name : XXXX XXXX XXXX, I Account # XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$13000.00}. 
XXXX aCCOUNT NAME : XXXX XXXX XXXX account # XXXX. Account is incorrectly open and incorrectly reporting a balance of {$320.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally lodge a complaint against the major credit reporting agencies ( Experian and XXXX ) for their continuous violation of the Fair Credit Reporting Act ( FCRA ) regarding the verification of public records on my credit report. 

Over the past several months, I have made numerous inquiries directly with these credit reporting agencies, as well as through the CFPB, requesting the specific method of verification used when dealing with disputes related to public records on my credit information. Despite my persistent efforts, the responses I have received from these agencies have been unsatisfactory and in violation of the FCRA. 

The credit reporting agencies have only provided a general explanation, stating that they utilize a third-party service for verification. However, I have specifically requested the following details, which have not been provided : 1. The exact name of the third-party company used for verification. 
2. The name of the person who verified the information.

3. The date when the verification was conducted.

4. The contact information for the person or entity who performed the verification. 

This lack of transparency is a direct violation of my rights under the FCRA, which mandates that consumers are entitled to know the precise method of verification for disputed information on their credit reports. 

To further support my complaint, I have attached a letter from the United States XXXX  XXXX. This letter explicitly states that the court does not report information to credit reporting agencies nor do they verify or validate information in consumers ' credit files. This clearly indicates that the credit reporting agencies ' claims of using a verified method are unsubstantiated. 

The continued refusal of the credit reporting agencies to provide the requested specific verification details or to remove the inaccurate public records from my credit report is unacceptable. Therefore, I am requesting that the CFPB take immediate action to bring these agencies into compliance with the FCRA. Specifically, I request that the CFPB : 1. Compel the credit reporting agencies to disclose the exact method of verification used, including the names, dates, and contact information of the verifying parties. 
2. Alternatively, mandate the removal of the disputed public record items from my credit report if the agencies can not provide the requested verification details. 

I trust that the CFPB will address this issue with the seriousness it deserves and ensure that my rights as a consumer are protected. 

Thank you for your attention to 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 2024-06-06 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am rewriting the complaint to TRUIST BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently saw a late payment on my credit report. I spoke to multiple representative XXXX who assured me i was not late. I scheduled a payment of an apparent past due amount of {$330.00} for XXXX. This is the 3rd time i have had a problem with 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 2024-06-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief