vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: MI

Complaint narrative:
XXXX Bank is reporting a charged-off account on my credit report. 

This account has a balance of XXXX showing on all XXXX credit reports when in fact they have issued a 1099-C for this debt and cancelled it. 

The XXXX balance is showing as existing revolving debt on all XXXX credit reports and preventing me from securing a home loan. 

The balance on this account should show a XXXX ( zero ) balance as the have cancelled the debt as shown on the 1099-C sent to me. 

I spoke with XXXX and they will not correct it as they state they are reporting it correctly when in fact they are not. 

In box 6 they have code G and the 1099-C States " CANCELLATION OF DEBT '' I called to make a payment and they will not accept any money but continue to report this with an open balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: MI

Complaint narrative:
XXXX Bank is reporting a charged-off account on my credit report. 

This account has a balance of XXXX showing on all XXXX credit reports when in fact they have issued a 1099-C for this debt and cancelled it. 

The XXXX balance is showing as existing revolving debt on all XXXX credit reports and preventing me from securing a home loan. 

The balance on this account should show a XXXX ( zero ) balance as the have cancelled the debt as shown on the 1099-C sent to me. 

I spoke with XXXX and they will not correct it as they state they are reporting it correctly when in fact they are not. 

In box 6 they have code G and the 1099-C States " CANCELLATION OF DEBT '' I called to make a payment and they will not accept any money but continue to report this with an open balance.

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 2024-05-30 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: MA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

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 2024-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: ME

Complaint narrative:
I am filing a complaint regarding a debt collection issue with Source Receivables Management. The issue pertains to a purported debt related to my previous residence at the XXXX XXXX XXXX apartment building in XXXX, which was managed by XXXX XXXX XXXX a nationwide corporate landlord. 

Dates and Actions : Move-Out : I moved out of the XXXX apartment building on XX/XX/XXXX. 
Communication with XXXX : Prior to my move-out, I was in communication with XXXX XXXX , the Community Manager at XXXX. On XX/XX/XXXX, XXXX confirmed in writing via email that no further debt was owed by me. She responded to my query, " Just confirming that this means nothing more is owed? That seems to be the implication but want to make sure, '' with, " Hi XXXX, You are correct! Thank you. '' Debt Collection : Despite this confirmation, I was later contacted by a debt collection agency claiming I owed {$4000.00}. When I explained the situation and provided the email from XXXX, the previous debt collectors acknowledged my position and ceased their collection efforts. 
Credit Report Disputes : I successfully disputed the debt with XXXX and XXXX, and the debt was removed from my credit reports based on the evidence provided. 
Current Issue : Recently, I received a letter from Source Receivables Management regarding the same debt. I contacted them on XX/XX/XXXX, to explain the situation and provided the same documentation. Despite this, they have continued to pursue the debt. 

Additional Facts : XXXX XXXX, as the Community Manager, had both apparent and likely actual authority over move-out procedures and financial matters. She managed the front desk, sent me the ledger of my bills, and was my only point of contact with XXXX throughout my stay and during my move-out. 
The move-out process was hectic, with various fees and penalties being discussed and later waived by XXXX. XXXX 's confirmation that no further debt was owed was relied upon by me to my detriment. 
XXXX 's email discharged the debt under Illinois law, given her status as an agent of the corporation and the fact that I relied upon her promise to my detriment.

Actions Taken by Me : Provided the written confirmation from XXXX XXXX to both the previous and current debt collectors.

Successfully disputed the debt with XXXX and XXXX. 
Attempted to resolve the issue directly with Source Receivables Management via phone call on XX/XX/XXXX, explaining the situation and providing documentation. 

Despite my efforts, Source Receivables Management continues to pursue this invalid debt, causing significant stress and potential damage to my financial standing. 

I request that the CFPB investigate this matter and assist in resolving this ongoing issue with Source Receivables Management, ensuring that the erroneous debt is permanently removed and that I am no longer contacted regarding this matter. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NC

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$60.00} XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-05-31 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: NC

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please ensure removal of XXXX XXXX. Attempted to get information on exact charges on card and never received any information. Disputing charges cuz I believe charges were made by my ex-wife prior to divorce these charges were not authorized by me please investigate and remove account from my credit report because they were incurred without my consent.

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 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This call took place XX/XX/2024 at XXXX Central Time and lasted 36 minutes. The call was made to American Express at XXXX. 
Called American Express to update them with information about a Claim I submitted with American Express XXXX XXXX XXXX XXXXXXXX XXXX regarding one lost payment I sent in via Certified Mail tracking on XX/XX/2024 and one payment, again via Certified Mail tracking, they refused to process I sent XX/XX/2024. 
The automated system took me to an individual that I began speaking with to let him know I was following up on a call from yesterday, XX/XX/2024 as I was receiving calls from American Express notifying me they would be canceling my account due to non-payment. 
I informed the representative I spoke with that I am following up to inform them not to take any adverse action on my account because I submitted a Claim on XX/XX/2024 and have not yet heard anything back from the above mentioned parties to address my Claim. 
The representative began asking me questions about my account, the payments I sent in, and asked me to give him my phone number. I told him it was the same number on my account and he insisted I tell him the number in full. It was at this point, when I asked why he needed my number if he has it on file that he informed me he was from the 'XXXX XXXX XXXX  '. This was 20 minutes into our call.

I gave him feedback at the end of the call that the first thing he should have done is identify himself as being a collections agent and he did not respond to my feedback.

This call was recorded by American Express, the confirmation number the associate gave me for this call is XXXX XXXX XXXXXXXX and the Complaint number generated as a result of this call is XXXX. 

The associate was clearly uninterested in identifying himself and why he was speaking with me and even more uninterested in my feedback about his unfair, deceptive and misleading practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have informed equifax this is not my collection i have never live in the state of north carolina in mydispute i will provide a ftc report and my credit card statement showing my actual address which i have lived for over 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX, 2 different credit inquiries showed up on my credit reports that I did not recognize as I was not applying for a credit card at all. The names of the inquiries were CITI CARDS CBNA and 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 2024-05-31 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-31 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-31 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: FL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-31 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, 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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: MS

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-05-31 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: CA

Complaint narrative:
I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Data 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 says. I have never been late on payments for the account : XXXX XXXX XXXXXXXX. Please investigate and provide proof with statements showing that this payment was late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.

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 2024-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
On XX/XX/year>, I emailed Roundpoint explaining that XXXX ) they kept sending sensitive, important mortgage closure documents to the mailing address of the home I just sold instead of my new mailing address ( even though I updated my mailing address with them ), and XXXX ) there were discrepancies between the mortgage payoff and escrow details that they shared with me vs. what they shared with the closing title company ( XXXX ). I immediately received an acknowledgement of receipt email from Roundpoint, but have yet to hear back from them. 

Additionally, the title company, XXXX, has been trying to get the escrow/tax payment information from Roundpoint for over a month now, but Roundpoint is unresponsive. Whenever they did respond, their feedback was inaccurate and insufficient in providing the requested information.

Lastly, in a previous communication with Roundpoint, I expressed why/how they erroneously reported a late payment on my credit report. If they would simply review the recorded phone calls, then they will see how their support team misled me ( and even told me to not make a payment ) as I was a starting a repayment plan due to being impacted by a layoff at my old job + I was anticipating selling my home.

It has been a complete nightmare working with Roundpoint as they do not demonstrate that they are able to correctly, responsibly and thoroughly manage their business.

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