vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: KS

Complaint narrative:
Someone used my information to open accounts and some inquiries that I had no knowledge about XXXX XXXX XXXX  opened XXXX XXXX {$3000.00} XXXX XXXX opened XX/XX/year> {$2300.00} XXXX XXXX opened XX/XX/year> {$0.00} XXXX XXXX XXXX XXXX opened XX/XX/year> {$0.00} XXXX XXXX opened XXXX XXXX {$0.00} XXXX XXXX XXXX  opened XXXX XXXX {$0.00} XXXX XXXX XXXX  opened XXXX XXXX {$0.00} XXXX XXXX XXXX opened XX/XX/year> {$12.00} Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
OnXX/XX/2024 a collection agency named ASHERCOLLECTIONSERVICES was posted to my credit report and demanded an amount of {$1100.00} to be paid directly to them immediately. 
HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 
The account in question is as follows : Account Name : [ XXXXXXXX XXXX XXXX  ] Date Listed : [ XX/XX/year> ] The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, 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 2024-11-17 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:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 
The account in question is as follows : Account Name : [ XXXXXXXX XXXX XXXX XXXX Date Listed : [ XX/XX/year> ] The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXXXXXX XXXX XXXX XXXX XXXX the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$660.00} XXXX {$1100.00} XXXX {$0.00} XXXX XXXX {$350.00} XXXX XXXX {$2400.00} XXXX XXXX {$560.00} XXXX {$440.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$510.00} XXXX XXXX {$910.00} XXXX {$700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Schreiber Law LLC
State: MA

Complaint narrative:
Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, I hereby make written demand for relief as outlined in that statute. 

On or about XX/XX/XXXX, the following unfair or deceptive acts occurred : - Violation of 15 U.S. Code Sec. 1629e ( 8 ) of the FDCPA - Violation of 15 U.S. Code Sec. 1692c of the FDCPA - Violation of 15 U.S. Code Sec. 1681i ( a ) ( 1 ) ( A ) of the FDCPA - Violation of 15 U.S. Code Sec. 1692e of the FDCPA - Violation of 15 U.S. Code Sec. 1692f of the FDCPA - Violation of 15 U.S. Code Sec. 1692g of the FDCPA - Violation of 15 U.S. Code Sec. 809 ( b ) of the FDCPA These unfair or deceptive acts and/or practices are declared unlawful by Section 2 of Chapter 93A. Schreiber Law , LLC was INVOLUNTARALY DISSOLVED BY COURT ORDER by the Secretary of the Commonwealth of Massachusetts, XXXX XXXX XXXX, on XX/XX/XXXX ; they are legally unable to conduct any business in the Commonwealth of Massachusetts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I AM A VICTIM OF HUMAN TRAFFICKING PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C WITHING 4 BUSINESS DAYS. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I deposited {$140.00} dollars in cryptocurrency ( litecoin ) to CRYPTO.COM the deposit occurred with no issue, I wanted to transfer the crypto to an external wallet and that is when I received an error message stating I must contact my bank and resolve a dispute for me to transfer crypto funds. They reffered me to a subtle email they sent XX/XX/XXXX stating I must resolve issue with bank regarding a supposed transaction, I tried to receive more information from them they stonewalled me they stopped replying completely and have left me no route to withdraw my cryptocurrency. Upon googling reviews I noticed this is a very common issue one example is the plethora of reddit post stating very similar experiences. I believe this is a strategic ploy implemented by CRYPTO.COM to hold on to peoples assets for long periods of time forcing their customers to go through many hurdles to finally withdraw their funds meanwhile they are being used to generate a profit for CRYPTO.COM this seems highly illegal to me I hope you can investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: AZ

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : [ XXXX XXXX & XXXX XXXX ] Date Listed : [ XXXX. XXXXXXXX XXXX XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 
Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked that these accounts be removed from my credit. No knowledge of them! 
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 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 2024-11-17 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: AZ

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code XXXX or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, 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 2024-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
My student loans are under the servicing of Mohela. 

For over two months ( beginning in XXXXXXXX XXXX  ), Mohela has claimed that my loans have " begun to transition to our new loan servicing platform ''. In the interim, they have not provided me any access, be it online or over the phone, to my loan information. I can not see account balances, interest rates, payment due dates, etc. There is no information available to me regarding my loans. 

However, the company has nevertheless sent me notices that I must make payments ( unclear what amounts or when to pay ), that my accounts are " deliquent '' ( although there is no ability to understand or confirm this information whatsoever ), and they have claimed they have sent me important electronic correspondence for my review- but without any account access, there is no ability to read this correspondence. 

I fear for my credit and my financial stability because the company has refused to allow me lawful access to my federal student loans. Calling the company leads to no access to my information and no one is able to provide any way to resolve my situation. Thus, I am forced to file a complaint with the CFPB regarding this untenable situation which seems, from a consumer 's perspective, to either be negligent or possibly predatory. 

I hope the CFPB will help protect my credit rating. 

I am very much able and willing to make my loan payments, but I am exasperated in trying to do so without any information being given to my by my loan servicer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-11-17 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern, On XX/XX/XXXX, I submitted a claim to Capital One regarding a fraudulent charge on my card that dates back to XXXX XXXX the amount of XXXX from a company that is called XXXX XXXX XXXX  This is my first experience with such a serious issue, and I was unaware that I had fallen victim to fraud. An FBI agent who contacted me informed me that multiple accounts of mine had been compromised. I indicated that the individual or company responsible has been federally charged and provided a police report I filed earlier this year, along with court documents that clearly outline how the company has defrauded several credit cards, totaling over {$230000.00}. Despite this evidence, my claim with Capital One was denied. 

The subsequent denial I received stated that my claim was rejected because I continued to make payments on the account after the fraudulent transaction occurred. I explained that I made these payments to avoid my account going into collections, which would jeopardize my account status. I have experienced this with another account, negatively affecting my credit, which is crucial for making significant purchases in my life. 

Despite my persistent efforts and concerns, Capital One denied my claim based on date restrictions. Initially, I accepted this decision until I spoke with a close friend who is also a victim in this case. When she filed a claim for a charge dated XX/XX/XXXX, her claim was approved without issue. I reached out to Capital One to highlight this inconsistency in their handling of claims, but they remain unwilling to review the information I provided. I kindly request assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing this formal complaint against Capital One Bank USA for violations of the Fair Credit Reporting

Act ( FCRA ) related to unauthorized accounts and credit inquiries that are negatively impacting my credit report. Upon recently reviewing my credit report, I discovered an account with
Capital One Bank USA ending in XXXX, carrying a

balance of {$480.00}. I have no recollection of ever opening or authorizing this account, and I believe it does not belong to me. When attempting to apply for a credit card, I was denied pre-approval with a notification that I already
have an account with Capital One Bank USA, which i

ncludes this outstanding balance. This information is both incorrect and harmful to my credit profile. Under FCRA, 15 U.S.C. 1681c-2 ( Section 605B ), consumers have the right to request the blocking of any information on their credit report resulting from identity theft. I believe this account ( ending in XXXX ) and the associated credit inquiry are linked to potential identity theft or errors by Capital One Bank USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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