vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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:
After reviewing my updated Equifax credit report, I am appalled at Equifaxs repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in compliance with federal law. 
As a XXXX XXXX and the head of my household, I face compounded challenges from systemic XXXX disparities within our financial systems. These fraudulent entries are preventing me from providing the quality of life my family deserves and achieving financial stability. It is unconscionable that despite the protections under the Equal Credit Opportunity Act and the Fair Credit Reporting Act ( FCRA ), Equifax has blatantly disregarded its obligations.

Under 15 U.S. Code 1681c-2, the FCRA mandates that a consumer reporting agency must block fraudulent information within 4 business days. Im not asking for checking via e-Oscar but to follow the law under 15 U.S. Code 1681c-2.

Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : 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 Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above. Equifax must adhere to 15 U.S. Code 1681c-2 by blocking the entries within 4 business days of receiving this complaint. I also demand that Equifax conduct a manual investigation, as reliance on automated systems like e-Oscar is unacceptable and violates my rights. 

For violating my rights, I request you send payment immediately via Certified Funds to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year> I received a letter from Bank of America indicating that they have closed my Bank of America XXXX  XXXX credit card due to my risk profile not aligning with their risk tolerance. On the same day they also closed by checking account of 27 years. I pay 100 % of my credit card balance each month on time. My credit usage is always low. This is a personal card. I do not own a business. I do not have employees. I I do not have foreign transacations. There is nothing in my profile that would indicate risk. I believe that either BOFA has confused me with another customer, has made a mistake or possibly my identy has been compromised.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6.
Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to file a formal complaint against Goldman Sachs and Co for their failure to issue Form 1099-C ( Cancellation of Debt ) for a charged-off debt and for their inaccurate reporting of this debt to the credit bureaus. 

I have an account with Goldman Sachs and Co, with the account numbers XXXX. According to the provisions of 26 U.S. Code 61 ( a ) ( 12 ) of the Internal Revenue Code, any canceled debt of {$600.00} or more is considered taxable income and must be reported by the creditor on Form 1099-C. To date, Goldman Sachs and Co has not provided me with the required Form 1099-C for the charged-off debt on my account.

This form is critical for my tax reporting, as I am required by the IRS to report canceled debt as income. Failure to provide the 1099-C form not only complicates my tax filing but may also constitute non-compliance with federal regulations. 

Additionally, I am concerned about the accuracy of XXXX XXXX  's reporting of this debt to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from reporting false or misleading information to the credit bureaus, including improperly reporting a canceled debt as income. Specifically, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) requires that any information reported to the credit bureaus be accurate, including ensuring that canceled debts are reported properly to the IRS, not to the credit bureaus as income.

I request that the CFPB investigate Goldman Sachs and Co 's failure to issue the required Form 1099-C and its inaccurate credit reporting practices. I would appreciate the CFPBs assistance in ensuring that Goldman Sachs and Co complies with its obligations under the tax code and credit reporting laws.

I have also made Goldman Sachs and Co aware of these issues through the following correspondence : I would greatly appreciate it if the CFPB could look into this matter and assist me in resolving the issues with Goldman Sachs and Co. 

Thank you for your time and attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
The Truist bank is holding my money and close my account and wouldnt give me my money I need my money in the mail send to me to XXXX XXXX XXXX XXXX in XXXX nc XXXX the amount {$4300.00} Im tried of having this problem with Truist bank or XXXX XXXX XXXX XXXX will be apart of this like why are yall holding my money like I dont see my money from yall in the mail it will be a problem and yall will be held responsible

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 2024-12-18 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:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX 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 2024-12-18 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: IL

Complaint narrative:
I am requesting help to address the issue of an incorrect account on my credit report. This situation has damaged my reputation as a customer, and I need your intervention. These accounts must be deleted because they are being reported inaccurately and unfairly.

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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I recieved a phone call from portfolio recovery associates, they stated I owed a balance of $ XXXX they wanted me to make an agreement to pay. When told I never received the information I requested, I was told it will be noted and I discontinued the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/year>, after making a deposit at our local bank, our account was hacked by someone who banked at XXXX, in the amount of {$3000.00}. We called and notified WellsFargo as soon as we saw that the funds were taken. We were told that they would start an investigation. On XX/XX/year> we called to check the status of the claim and WellsFargo changed our account number and said that they would start an investigation. On XX/XX/year>, we reached out to WellsFargo to check the status of our claim and that is when they told us that they were denying the claim because it appears that our cellular devices were hacked because they sent alerts notifying us of the wire transfer. They refuse to give us documentation showing the alleged alerts or proof that we approved the wire transfer.

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 2024-12-18 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 a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/XXXX I went into the local PNC Bank in XXXX XXXX, PA XXXX to request a copy of my Mortgage Satisfaction Letter. I was asked to wait in the lobby. After approximately 30 minutes I was called back to an office to present my credentials to prove I am XXXX XXXX. I provided them with my PA Driver 's License as well as my debit card. The representative said to still authenticate me she wanted to send me a code to my cell phone. I told her I did not have my cell phone. She told me I was lying to her and that she saw a pink phone being placed in my back pocket. It was terribly disturbing. Then another teller later informed me that she saw me on my phone in the lobby. There was no phone calls made or a phone even utilized while at PNC Bank!!!!!!!! ( XXXX blatant lies about personal property that is none of their concern ). They tried then to authenticate me through the latest purchases. I gave them the last 2 HELOC loan payments made but they wanted purchase instead. The latest purchases made I wouldn't know because I made online purchases through Shopmyexchange.com and they bill the account once shipped and I don't know when they ship so, instead, I asked to use their phone to be able to contact the PNC Bank phone line to enable me to check the latest items that were submitted to my account and they refused. I left after they told me I needed to go to XXXX XXXX XXXX House to acquire my title. I told them that I was already at the XXXX XXXX XXXX House and they provided me with my house DEED, in my name, XXXX XXXX, purchased on XX/XX/XXXX. This is the only home I ever purchased, the home I raised my XXXX children, and the loan I paid off after my divorce settlement on XX/XX/XXXX required I refinance the loan in my name and/or pay it off, of which I did and had it paid off in XX/XX/XXXX while I was XXXX overseas in XXXX ( My second XXXX in 5 years as a military reservist ). I would very much appreciate to know why PNC Bank can not provide me with a title to my house that I financed through them and paid off the loan. I would also like to know and possibly legally report PNC Bank employees who have outright lied about making a statement about me utilizing a cell phone or making a cell phone call using a personal cell phone in their bank lobby on XXXX XX/XX/XXXX. I created quite a disturbance in the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Ive had a navy federal account for nearly 2 years. The majority of the money in this account comes from job which direct deposited into the navy federal account. I use the account everywhere, and for everything. My groceries, sending my kids money, buying gas, everyday activities. Sometime in XX/XX/year> I was trying to send money on XXXX and was told I couldnt. I then tried to withdraw the money and was told Im locked out of my account for fraud. I be gone to the bank numerous times and Im told to call the fraud department. I talk to the fraud department and they tell me I have to send in an appeal. They didnt tell me why the appeal was for and also didnt tell me why my appeal was denied. And was then told my account is closed. And I havent been able to get my money since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief