vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: MI

Complaint narrative:
I hope this letter finds you well. I am writing regarding the cancellation of the debt associated with my account, which I believe was discharged or forgiven by your company. As required under 26 U.S. Code 1099-C, I would appreciate your assistance in providing the necessary documentation related to this cancellation for tax reporting purposes. 

Specifically, under IRC 108, canceled debt may be considered taxable income, and I need to understand the full details of the discharge, including the amount forgiven and any conditions attached. I understand that under IRS Form 1099-C, creditors must report the cancellation of debt of {$600.00} or more to the Internal Revenue Service ( IRS ) and to the debtor.

To ensure proper reporting, could you kindly provide the following : A copy of the Form 1099-C issued for this cancellation. 
A statement outlining the amount of debt forgiven and any applicable interest or charges. 
A description of any other terms or conditions related to the cancellation of this debt. 
Confirmation of the date the debt was officially canceled. 
Please provide the requested documents at your earliest convenience. If you need any additional information from my end to process this request, please do not hesitate to contact me. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
CFPB Complaint XXXX XXXX XXXX XXXX XXXXXX/XX/year>, is still pending a response. Since the complaint XXXX XXXX has transferred the account to to another debt collection agancy, violating the Fair Debt Collection Practices Act 1692-1692p. CFPB Complaint XXXX XXXX states a debt, " was placed with our office by our client, XXXX XXXX XXXX XXXX XXXX Unauthorized contact was made. 
In CFPB complaint XXXX XXXX, 'in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX XXXX regarding the XXXX XXXX debt that we acquired, which is now associated with XXXXXXXX XXXX XXXX XXXX. In response to XXXX XXXX dispute, we have terminated collection efforts on the debt. Thank you for the opportunity to respond. '' The debt was terminated and no further efforts to collect the debt should occur as there was no " Validation of Debt '' under Federal Debt Collection Practices 1692-1692p, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within the thirty-day period. Letter of Validation of Debt was sent on or around XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: KS

Complaint narrative:
I can't spend the remaining money on my gift card even though funds are still available. Every purchase at various merchants is declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: NY

Complaint narrative:
To Whom It May Concern : I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below? 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
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 2025-01-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I was informed by social media that there was a lawsuit against Lexington Law and I had previous dealings with this company to repair my credit and lost some money. My address changed : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: VA

Complaint narrative:
CFPB Complaint XXXX XXXX, filed on XX/XX/year>, is still pending a response. Since the complaint Jefferson Capital has transferred the account to to another debt collection agancy, violating the Fair Debt Collection Practices Act 1692-1692p. CFPB Complaint XXXX XXXX states a debt, " was placed with our office by our client, Jefferson Capital Systems XXXX XXXX Unauthorized contact was made. 
In CFPB complaint XXXX XXXX XXXXin response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX XXXX regarding the XXXX XXXX debt that we acquired, which is now associated with JCS XXXX XXXX XXXX. In response to XXXX XXXX dispute, we have terminated collection efforts on the debt. Thank you for the opportunity to respond. '' The debt was terminated and no further efforts to collect the debt should occur as there was no " Validation of Debt '' under Federal Debt Collection Practices 1692-1692p, Jefferson Captial Systems XXXX JCS XXXX XXXX XXXX within the thirty-day period. Letter of Validation of Debt was sent on or around XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I attempted to wire money out of my bank account at Wells Fargo via online banking. I followed all steps, reported all codes that verified my identity and considered the transfer complete. The bank called me to verify details of the wire, but then got personal, asking how I knew the person and what the wire was for. I became upset at their intrusion and XXXX XXXX XXXX XXXX  and there were a series of calls and hang ups between the bank and myself. I wanted this wire to be a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX but I didnt think my bank had any right to know that. Once Id verified who I was and that the amount and recipient were correct the transfer should have been completed. Is that not their job? I did relent, answered their questions, they agreed to release the transfer but XXXX hours later I got an email from them that the transfer had not been successful. During another XXXX minute call, I learned Id waited too long to answer their questions and Id have to resubmit my wire request. Instead, XXXX moving all my money to XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to file a formal complaint against Truist Bank regarding predatory lending practices carried out by loan officers in the summer of XXXX My wife and I were exploited and misled into incurring unnecessary debt through deceptive and unethical practices.

In XXXX  we approached Truist Bank seeking a Home Equity Line of Credit ( HELOC ) to leverage the equity in our home for improvements. However, we learned later that Truist Banks policies prohibit HELOCs for properties owned for less than a year or under construction. Instead of disclosing this policy, the loan officers misrepresented their ability to process our application, falsely assuring us that the HELOC would be approved.

The loan officers exploited our excellent credit and significant home equity, as evidenced by a prior appraisal from our mortgage company. They coerced us into taking unnecessary and burdensome financial actions, including : 1. Taking out a {$30000.00} loan against our fully paid-off pickup truck.

2. Applying for a {$30000.00} promotional credit card through Truist Bank.

These measures were misrepresented as essential to establishing a banking relationship and obtaining underwriter approval. We were repeatedly assured that these steps were routine and temporary and that both the vehicle loan and credit card debt would be paid off immediately at the HELOCs closing.

Despite these assurances, the HELOC was never approved because Truist Banks policies categorically disallow such loans for properties owned for less than a year. This critical information was either ignored or deliberately withheld by the loan officers. As a result, we were left with significant and unnecessary debt, financial hardship, and no access to the promised XXXX, which could have provided tax benefits and cheaper monthly payments for home improvements.

Additionally, Truist Bank has refused to report our excellent payment history on the vehicle loan to the three major credit bureaus, further damaging our credit profile.

We have previously submitted a written complaint to Truist Bank expressing our concerns and explaining how we felt taken advantage of during this process. The bank has failed to respond or offer a resolution. 

The deceptive actions by Truist Bank have caused undue financial stress, and we seek the CFPBs assistance to hold the bank accountable and resolve this matter fairly. 

`We are available to provide additional information upon request. 

Thank you for your attention to this serious 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 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I was purchasing airline tickets when delta advertised a credit card offer that I would be able to get approved for and use for the transaction. If used, I would get a XXXX statement credit. Upon approval for the card, it asked if I wanted to use the card for the transaction and that I was approved for instant use but then would not populate the card information. I contacted American Express and both the representative and the supervisor stated I was not able to obtain a card number until I received it in the mail. They provided instructions to get a card number online but in order to do so, I needed the card information. I have included documentation of the offer and the conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
Im a victim of Lexington Law and there services and what I received in the mail wasnt nearly half of the amount I paid them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
This credit services is attempting to collect a debt not owed by me. i have no knowledge of this account and it is considered as identity theft or fraud.

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 2025-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
XX/XX/year> I deposited XXXX and {$300.00} deposit from my bank into my account for investment, but the account was locked immediately. I contacted the customer service, and the customer service asked me to provide the bank information and return the money to me! But I have not received the money, only this year to contact me, let me provide cryptocurrency wallet address, and then I deposit XXXX sent to me, I provided my wallet address, contact customer service, they did not reply to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Dear CFPB, I am writing to express my concern about the inclusion of unauthorized accounts on my credit report, which appear to be the result of a data breach. These accounts do not belong to me and are negatively impacting my credit profile. 

Given the rising frequency of data breaches compromising personal information, its critical that credit reporting agencies implement robust measures to ensure consumer credit reports accurately reflect only legitimate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to express my concern about the inclusion of unauthorized accounts on my credit report, which appear to be the result of a data breach. These accounts do not belong to me and are negatively impacting my credit profile. 

Given the rising frequency of data breaches compromising personal information, its critical that credit reporting agencies implement robust measures to ensure consumer credit reports accurately reflect only legitimate accounts.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear CFPB, I am writing to express my concern about the inclusion of unauthorized accounts on my credit report, which appear to be the result of a data breach. These accounts do not belong to me and are negatively impacting my credit profile. 

Given the rising frequency of data breaches compromising personal information, its critical that credit reporting agencies implement robust measures to ensure consumer credit reports accurately reflect only legitimate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please delete these unauthorized inquires from my credit report. XXXX, XXXX, and Experian are all reporting unauthorized inquires which has damage my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove immediately.

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 2025-01-01 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: OH

Complaint narrative:
XXXX billing. Think Easy pay is using XXXX name wrongly. XXXX XXXX claim. No reply from XXXX XXXX. Was put on report no contact to me. Never received by law debt proof. No date closed. Reported late. I never agreed to pay. 12 month duration. Over 12 months. XXXX account number number matches old XXXX purchase. Paid the money to the business. XXXX is a medical collection not an XXXX XXXX. Read illegal to use another collection name fraudulent. Disputed and bureaus will not provide facts used to ensure valid. {$760.00} is high credit. Credit on the account was not that high.

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 2025-01-01 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: OH

Complaint narrative:
XXXX billing. Think Easy pay is using XXXX name wrongly. XXXX XXXX claim. No reply from XXXX XXXX. Was put on report no contact to me. Never received by law debt proof. No date closed. Reported late. I never agreed to pay. 12 month duration. Over 12 months. XXXX account number number matches old XXXX purchase. Paid the money to the business. XXXX is a medical collection not an XXXX XXXX. Read illegal to use another collection name fraudulent. Disputed and bureaus will not provide facts used to ensure valid. {$760.00} is high credit. Credit on the account was not that high.

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 2025-01-01 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: NY

Complaint narrative:
To Whom It May Concern : I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below? 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
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 2025-01-01 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:
XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, XXXX and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 


This fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). These Accounts have resulted in several hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of My consumer credit reports and that related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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