vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written
consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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 be advised that I am formally disputing the inaccuracies on my credit report. These errors are negatively impacting my credit score and hindering my access to credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I submitted a dispute to Equifax ( Confirmation # XXXX ) under my rights provided by the **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681i ( a ) ( 1 ) ( A ) **, requesting an investigation into inaccurate information on my credit report. 

On XXXX XXXX, XXXX, Equifax confirmed the completion of its investigation and stated that the disputed information was **verified as accurate**. However, Equifax **failed to provide the documentation used** to verify this information. 

On XXXX XXXX, XXXX, I submitted 2 additional disputes ( Confirmation # XXXX, XXXX ). That same day, Equifax responded, confirming the investigations were completed and the disputed information was **verified as accurate**. However, again Equifax **failed to provide the documentation used** to verify this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
I was informed about a loan that I was behind on in payments, a loan I do not remember or know anything about. I was worried so I made a payment and then contacted them. When I realized my mistake, I contacted them and told them it was an error that I did not request the loan. They told me that since I made a payment, I was stuck with the debt and had to pay it. When I started to pay, I couldnt keep up with the payments and the account was charged off through a company called XXXX. Now I received 3 letters in 3 days, today the letter was labeled as a Court Related document from Crown Asset Managememt LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Resolution American Express ( Acct : XXXX ) ** Dear XXXX & American Express Representative , I am formally disputing the incorrect charge-off listed on my XXXX credit report for American Express due to errors in reporting, failure to notify me, and potential IRS non-compliance.

Account Details : Creditor : American Express Account Number : XXXX Status : Charge-Off Date Reported : XX/XX/year> Issue : Account was settled, yet still marked as charge-off, with no IRS Form 1099-C issued Reasons for Immediate Removal or Correction : The account was settled in full, yet still marked as a charge-off.

This account was legally settled for less than the full balance, meaning it should not be reported as a charge-off but rather as " Settled Paid in Full. '' The reporting misrepresents the true status of the account, violating Fair Credit Reporting Act ( FCRA ) guidelines.

Failure to Notify Me of the Charge-Off ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Under the FCRA, creditors must notify consumers before reporting a charge-off to the credit bureaus.

American Express never sent me any notice informing me of this charge-off before it appeared on my report.

Failure to Issue IRS Form 1099-C for Canceled Debt ( IRS Violation 26 U.S.C. 6050P ) If American Express canceled {$600.00} or more of this debt, they were legally required to issue Form 1099-C and report the canceled amount to the IRS.

Since no 1099-C was issued, this charge-off is either invalid or should not exist on my credit report.

Requested Actions : Remove the charge-off from my credit report immediately to correct this reporting error.

Update the account status to " Settled Paid in Full '' instead of " Charge-Off. '' Provide documentation proving I owed a balance after my settlement agreement.

Provide written proof that I was notified before this charge-off was reported.

Confirm whether American Express reported this charge-off to the IRS and provide a copy of Form 1099-C if applicable.

If no valid proof exists, issue a formal statement confirming the charge-off was incorrectly reported.

Under FCRA ( 15 U.S.C. 1681i ), you are legally required to investigate and respond within 30 days. If this charge-off is not removed or corrected, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the IRS for investigation into non-compliance with tax reporting laws.

Please confirm receipt of this dispute and provide written confirmation of the resolution. You may contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted a disputes on XXXX showing the inaccuracies on my consumer report and the credit bureaus are not doing a proper investigation, proof since they're being sued right now ( Sham Investigations ). FDCPA 807 15 USC 1692e protects me and my rights from the bureaus reporting false and misleading reporting. They have written off the debt but are still reporting it on my consumer report, that is fraud. These accounts are inaccurate. I demand these accounts be deleted immediately or i will file for ligitation due to the stress you've caused me.

We have reason now to believe the whole account is fraudulent because now youre putting an account as a debt, because a charge off is on there. A 1099-C was filed. According to the IRS Form on their website, Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. So the status of a charge off on my account is an inaccurate account and must be deleted. A charge off is suppose to be reported as income, as ordinary income, not debt, because they filed it and they got a tax break and the IRS says you must get your 1099-C. IRS also says it must be filed as income, and income doesnt get reported on the consumer report. That makes this charge off fraudulent. Please delete 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We have been unsuccessful in resolving a claim of fraudulent activity on our business checking account that was reported to Chase Bank on XX/XX/year>. In the morning of XX/XX/year> we noticed difficulty in logging into our bank account. We immediately called Chase Bank to notify them of the issue and the call got disconnected by customer service. We logged on from another computer and noticed 3 separate wire transfers pending that we did not authorize had been initiated. We called Chase Bank immediately to notify them of the fraud and they were able to stop 1 of the 3 wire transfers. These are the wires they did not stop : Wire # 1 in the amount of {$18000.00} Wire # 2 in the amount of {$18000.00} We proceeded to file a claim to have the lost money returned. On Monday, XX/XX/year>, we went into our local branch as we had not heard anything since our intitial phone call and were told by a teller the claim had been stopped as there was no proof of any fraud. The teller indicated because the fraudulent wire transfers were initiated matching the IP address on our computer it was not considered fraud.

I'm attaching a timeline of events to show we were literally on the phone with Chase for 1 hour and 36 minutes as this fraud was taking place. There should be no reason why the other two wires were not stopped immediately, or a communication from Chase to the receiving banking institute where these wires were to be received. It is Chases fiduciary duty to protect clients funds and Chase was negligent in not following through during the real-time fraudulent activity that was commencing while I was on the phone with Chase Bank . We also hired our IT guy to look at the computer and he was able to find that the computer was hacked which proves we did not complete any wire transfers. I'm attaching photos of that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
I am filing a complaint against Lexington law ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Lexington law failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations and I wan na full refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I recently sent a complaint to you all regarding lvnv whom goes by two names resergant not being one thats reporting on my credit but in fact lvnv whom which I never done business with ever. My most recent complaint was closed because they sent a response back saying they bought this debt from XXXX XXXX and they have legal obligations to collect on this debt that was never properly verified, never received a notice and sent them a certified letter in the mail twice requesting a signed contract from me and lvnv or resergant whatever they go but an this debt they claim I owe was apparently sold almost over 6 years ago yet its funny how after I paid the creditor in full on XXXX XXXX all of a sudden they some how are trying to say I owe them money and collect on a debt that is not mined because they bought this debt from XXXX XXXX. I dont business with XXXX XXXX nor lvnv. My Question to resergant Im sorry lvnv when was notice sent to my current address? When was this debt validated? When have we been in contact besides the letters Ive sent and never received a response and based on the fair credit collection act you have violated and never properly validated a debt that does not belong to me nor you. I will not pay you any and now Im going to be forced to take legal action because not only has my credit be affected you all are fraudulently trying to collect money on a debt that was not properly validated nor did the consumer receive notice from lvnv for them to place on my credit report. They need to reach out to XXXX XXXX  and collect money from them because this debt was paid directly to the creditor and I refuse to be a victim to fraud. Yall have since sent me a signed contract stating yall can collect and still have failed to do so and a printed out bill does not validate any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
In accordance with fair credit reporting act account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INTSTRUCTIONS.

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 2025-01-29 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: TX

Complaint narrative:
In accordance with fair credit reporting act account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INTSTRUCTIONS.

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 2025-01-29 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: WI

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$5200.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.

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 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Personal Information/Address on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate personal information and addresses that are currently being reported on my credit report. The information in question is not correct, and I respectfully request that you conduct an investigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Disputed Information : [ incorrect address, wrong personal details, etc. ) ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Provide the correct details if available. ] XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Under the FCRA, specifically 15 U.S.C. 1681i, you are required to investigate and correct any inaccuracies on my credit report. The statute mandates that once a dispute is raised, the credit bureau must investigate the disputed information within 30 days. If the information can not be verified as accurate, it must be removed or corrected.

I have attached documentation supporting my position, including [ list documents such as utility bills, bank statements, government-issued IDs, etc. ] to verify my current and accurate personal information.

Please update my credit file and provide me with a revised copy of my credit report after completing your investigation. Failure to correct the inaccuracies or provide a timely response may result in further action under the provisions of the FCRA.

Thank you for your attention to this matter. I expect a response within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX Enclosures : The proof is enclosed. Driver Licence and Social Security Card.

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 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have been a victim of identity theft since 2020 when my information was stolen and sold to others. I have had numerous people attempt to live in apartments in my name and successfully do so. I then have to deal with the collectors and the consequences that falsely affect my credit, my time, and my sanity. This is despite having a police report and a drivers license, a social security card, etc to verify my actual identity and to confirm I have never lived in the apartments that I am repeatedly accused of owing money too.

I am sick of being re-victimized by greedy unethical apartment communities with limited standards of care and or outright negligence just to rent an apartment out. 

I have exceptional credit and have worked my XXXX off for it. I am a XXXX  that works all day and then gets to come home and file disputes, call apartment communities, chase down collectors file complaints etc.. due to someone/s complete negligence and XXXX accountabiility. Why is it me that continues to suffer at the hands of your negligence. I will continue to exercise every legal avenue to the fullest extent to ensure you compensate me for the damages you continue to cause me. 

I have never lived at XXXX XXXX XXXX XXXX. I do not owe you anything but you owe me an apology for all my lost time, effort, mental anguish and most importantly a renewed credit score after attempting to collect on fraudulent debts.

I am also owed an apology for closing my complaint and stating it resolved. Excuse me XXXX XXXX XXXX at Hunter Warfield it is not resolved. You send a generic response on CFPB that you never followed through on. You ignored my requests and failed to uphold your responsibility to me as a proven victim of identity theft.

I am seeking action against Hunter Warfield, XXXX XXXX XXXX, and XXXX and any bureau that continues to publish false information that furthers my harm. 

Account Number XXXX for the amount of {$13000.00} is not valid nor is it mine. Continue to refuse to resolve this and you are furthering my case against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), Section 611, to formally request the removal of unauthorized or inaccurate hard inquiries from my credit report.

Specifically, I am disputing the following inquiries : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion According to FCRA guidelines, only inquiries authorized by me in connection with a legitimate credit application should remain on my report. If you can not provide documented evidence of my consent for these inquiries, I respectfully request their immediate deletion.

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