vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made several attempts to TransUninon to unfreeze my credit report and to fix some errors on my credit report and their website won't let me lift a freeze on my credit report or even to dispute any of the issues.

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 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I was at a hotel gathering on XX/XX/XXXX, when I awoke from a nap, to grab my phone, I seen a bunch of notifications from cashapp made to purchase XXXX. There was one for {$400.00}, one for {$300.00} and another for {$100.00}. I've never been into XXXX or used XXXX, these are fraud charges taken from my account while I don't know who took my phone or had access to my cash app. When I contacted Cash app right away to figure out the fraud transactions. They replied to me a week later and said my case is denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
Hello, I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time.

The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Original creditor : unknown Account type : Charge Off {$1400.00} Date open : XX/XX/XXXX LVNV FUNDING LLC NOTICE OF DISPUTE ; VALIDATION AND PROOF OF CLAIM HAS NOT BEEN MET!

To Whom it May Concern Your company LVNV FUNDING is illegally trying to collect and is furnishing false items that violate my consumer rights and FDCPA, FCRA, TAX Regulations and PRIVACY ACT OF 1974. LVNV FUNDING has no legal rights to a charge-off. As stated by the IRS, Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. In general, if your debt is canceled, forgiven, or discharged, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax. The key word in what the IRS definition of a charge off was you dont have to pay, so you can not attempt something that is canceled and written off as a tax deduction. 
15 usc 1681a ( 2 ) definition rules of construction debt is forgiven or discharged, the debt is considered canceled for the forgiven or the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax.

The key word in what the IRS definition of a charge off was you dont have to pay, so you can not attempt something that is canceled and written off as a tax deduction. a Form 1099-C, means an applicable entity has reported an identifiable event to the IRS If you're discharged, you no longer need to pay. regarding a debt you owe.

The key word in what the IRS definition of a charge off was you no longer need to pay, so you can not attempt something that is canceled and written off as a tax deduction. 
Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return Schedule 1 ( Form 1040 ), line 8c, if the debt is a nonbusiness debt ; Code GDecision or policy to discontinue collection. Code G is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For pur- poses of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice.

The account summary Lvnv Funding LLC submitted through the CFPB website the historical account information in your reply shows the original creditor charge off the account and the charge off amount was for {$1.00} after it has been changed off that makes it non collectible anymore 15 U.S. Code 1692e - False or misleading- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: AZ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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:
I am writing to inform you that I am a victim of a data breach, and I am formally requesting the removal of the fraudulent accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following bankruptcies were fraudulently added to my credit report : XXXX. Bankruptcy 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 XXXX I request the removal of the following fraudulent inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-13 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: MI

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cease and Desist Demand for DEBT BY COLLECTION AGENCY Dear, LVNV FUNDING I am writing to formally demand that you immediately cease and desist from threatening letters and calls that you have been engaging in. This conduct is harmful, unlawful, and has caused a XXXX veteran with XXXX with XXXX  and XXXX. Specifically, you are infringing on intellectual property rights, making false claims. You are hereby put on notice that your actions violate USC 15 1692G did not provide debt validation claim, my intellectual property rights and must stop immediately. If you do not cease and desist from these activities within, 14 days from the date of this letter, I will have no choice but to pursue all available legal remedies, including but not limited to filing a lawsuit and seeking monetary damages, injunctive relief, and any other appropriate legal actions. 

To avoid further legal action, please confirm in writing within 14 days that you have ceased and desisted from the aforementioned conduct and that you will not engage in any such conduct in the future. 

If you have any questions or wish to resolve this matter amicably, please contact me at XXXX or XXXX @ XXXX. 

This letter is written without prejudice to any other legal remedies or actions that may be available to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
1. Genesis has failed to provide a written contract between me and the original creditor stating that the original creditor is allowed to legally collect interest on any debt owed by me 2. Genesis has failed to provide good faith communications between me and original creditor regarding payment of balance owed to the creditor 3. Genesis has failed to provide audio recordings of the original creditor 's representative denying me the right to enter into a payment agreement/plan with the original creditor prior to the debt being reported to Genesis collection agency 4. Genesis has failed to provide documentation of my repeated requests to the original creditor for a final accounting and payment plan.

5. Genesis has failed to remove and delete this negative and erroneous reporting from the three credit reporting bureaus 6. Genesis is violation of 15 USC 1692f, Sections 807 ( 2 ) ( A ) and 808 ( 1 ) and therefore I demand that the negative and erroneous reporting to the three credit bureaus be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today, I received an alert from XXXX XXXX XXXX regarding a credit report update. Upon reviewing it, I discovered an account that I did not recognize and had not authorized to be created. This was unexpected and concerning, as I had no prior knowledge of this accounts existence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I received a letter saying my account was closed for XXXX or more returned payment. My bank account was hacked, and money was stolen so I had no idea the money wasn't in the account when it was drafted. However, I paid the account balance off in full of another checking account. The company did not allow me time to correct this before closing my account.

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 2024-11-13 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:
XXXX XXXX # XXXX XX/XX/year> This Cfpb complaint has been filed to request pursuant to Fcra 605B 15usc 1681c-2 that Experian credit reporting agency block and delete information appearing on my consumer Fico credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of personal credit card opened at XXXX XXXX XXXX.This account have resulted in chargeoff appearing on my consumer Fico credit report i do not recognize the aforementioned account and chargeoff. This account was not opened, made, initiated by me.This aforementioned account and chargeoff are result of identity theft and fraud. I have attached copy of Ftc identity Theft criminal complaint as proof.as copy of XXXX, XXXX XXXX  and XXXX  complaint and credit report.

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 2024-11-13 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : Bankruptcy - Federal - 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 XXXXXX/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 2024-11-13 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: OH

Complaint narrative:
These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I filed a dispute for some ongoing deductions from my account that were not authorized. 
There were over XXXX transactions. 
Capital One denied my claim immediately. 
I asked for information supporting their reason for denying the claim. 
They told me that they had contacted all the companies I submitted so I asked for proof. 
They sent a copy of my bank statement. 
Weeks later I received an email from XXXX of the companies that stated my money was returned to the bank because the transaction was disputed. 
The bank never returned the money to me. 
I contacted Capital one immediately and they had no explanation. 
They never conducted a proper investigation or returned my money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We, XXXX XXXX XXXX, encountered a credit cards transaction problem. The received credit card payments were reversed at some point of transaction and did not come to our account. 

We have lost {$36000.00} for the XXXX through XXXX years because Wells Fargo XXXX XXXX returned payments to our clients. They said that account closed since XXXX  without our knowledge, but we have all the receipts from the transaction. We worked extremely hard to earn this money. Any attempt to recover money from our clients was unsuccessful. Wells Fargo XXXX XXXX is responsible for their action.

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