vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
XXXX Card XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Urgent Request to Review and XXXX XXXX under FCRA XXXX XXXX, Truth in Lending Act, and IRS XXXX Guidelines Dear XXXX XXXX XXXX XXXX am writing to urgently request that you review the reporting of my account with Account Number XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( XXXX ), and IRS regulations XXXX the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction may have further implications for both tax reporting and compliance. 

According to IRS XXXX XXXX XXXX XXXX are required to file Form XXXX with the IRS when they cancel XXXX debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This may include a charge-off on their financial records. 

If you have reported this account as a charge-off or have ceased collection efforts, you may be required to issue a Form XXXX to both the IRS and myself, XXXX that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : XXXX Review, verify and delete the current reporting status of this account on my credit report. 
XXXX. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines. 
XXXX. Issue Form XXXX if applicable, or correct any inaccurate information reported to credit bureaus. 
XXXX. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy. 

Please respond within XXXX days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TN

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. My company is XXXX XXXX XXXX XXXX. I am a subcontractor for the XXXX government entity XXXX XXXX XXXXXXXX. My company is lacking funding for major projects that I have submitted bids for.. I have gotten denied for lines of credit, loans and credit cards due to negative reporting by Experian XXXX XXXX. 

Ive submitted a dispute on XX/XX/XXXX. ( Exhibit XXXX ) Ive attached XXXX emails from Experian on XX/XX/XXXX and XXXX, XXXX ( Exhibit XXXX & XXXX ) that my disputes were still in progress.I was expecting a thorough investigation by XX/XX/XXXX. After XXXX days I received an email on XX/XX/XXXX still in progress ( Exhibit XXXX ). I didnt get any more updates, so I called Experian support on XX/XX/XXXX XXXX ; XXXXXXXX XXXX. ( Exhibit XXXX ) I spoke with a XXXX named XXXX. He advised me that my dispute was open, closed and modified by Experian specialists on XX/XX/XXXX the exact same day it was received.. There was no investigation ( Exhibit XXXX, XXXX ) XXXX XXXX, late payment was not disputed, completely ignored this request. I told XXXX, I received an email on XX/XX/XXXX its still in process. He stated you could not have received an email because we never submitted your request to the creditors because you have submitted these disputes before. ( Exhibit XXXX ). XXXX could not explain to me or understand why I was receiving emails on a closed dispute that never moved forward.. He took my name and number for a callback from a supervisor. I received no call from a supervisor. I called back on XX/XX/XXXX and spoke with XXXX around XXXX ; XXXX p.m to speak again with a supervisor. I was placed on hold for XXXX minutes. She came back and requested my name and number again stating I will get a call back within XXXX hours. XXXX suggested I can start a new dispute.I replied, you're in violation of my rights..This is an illegal deceitful tactic Experian has adopted not to address disputes, when disputing with laws. ( Law -15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) I have not received any updated results or reports after XX/XX/XXXX which was their last correspondence. .As of XX/XX/XXXX I have not received a callback from a supervisor either. I have waited over XXXX months for results that have never been investigated. Experian has done me.and my company a disservice. This illegal tactic has set my business back with a major loss in revenue. 

I would like Experian to provide CFPB evidence of the investigation on or after XX/XX/XXXXXXXX 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 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
** XX/XX/2024 Someone used XXXX Bank of America credit card to purchase items from XXXX XXXX, totaling {$1400.00}. 
As soon as I noticed the unauthorized charges, I contacted the bank to confirm that I did not authorize these purchases. I requested that the bank stop the card and issue a replacement. I also filed a fraud dispute for the {$1400.00}. 

At XXXXXXXX XXXX on XXXX, XXXX, I received emails confirming that the items purchased fraudulently were picked up from XXXX XXXX XXXX. 
Upon receiving this notification, I immediately called XXXX customer service to report the issue. 

** XX/XX/XXXX Bank of America XXXX XXXX credit card dispute team informed me that I am responsible for {$540.00}, stating that the merchandise ( XXXX ) was located at the address associated with my account. 
To support my claim, I have location tracking data that verifies I did not visit XXXX XXXX XXXX on XX/XX/XXXX, at the time the items were picked up ( XXXX ). 
I also have the phone call history records showing my call to XXXX customer service to report the fraud right after receiving the pick-up emails. 

** Attached Documents : - A list of the fraudulent orders and the pick-up time. ( email screenshot ) - XXXX location tracking data confirming I did not visit XXXX XXXX XXXX on XX/XX/XXXX ( XXXX XXXX XXXX address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - Phone call history showing my call to XXXX customer service XXXX Bank of America letter regarding the dispute closure The attached documents provide proof that I did not make this purchase, nor did I visit XXXX XXXX XXXX to pick up the items.

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 monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft resulting from a recent data breach. Due to this incident, several unauthorized accounts have appeared on my credit report. These accounts were fraudulently opened or reported without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following accounts from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$30.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
My car loan is 11 days past due. They call multiple times a day, I told them I would be paying it this week when I get paid. A representative named XXXX called my work today and left a message to call them " About my XXXX I am driving around ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple XXXX and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2024-11-12 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:
I was reviewing my credit report and noticed multiple inquiries from your company that I dont recall authorizing. This has me really concerned, as theyre affecting my XXXX XXXX and causing unnecessary stress.

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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This letter is sent in response to a letter I received on XX/XX/year>. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.

Whether this debt is within the statute of limitations and how that was determined.

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was reviewing my credit report and saw an inquiry from your company that I dont recall authorizing. This has me really concerned, as its affecting my credit score and causing unnecessary stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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:
XXXX XXXX to whom it may concern This letter is my formal written request for you to investigate the following & quot ; Unverified & quot ; accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed Immediately XXXXXXXX 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 2024-11-12 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: LA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-12 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: MD

Complaint narrative:
On XX/XX/2024, I submitted a goodwill request to XXXX, XXXX, and TransUnion, seeking the removal of several late payment entries on my credit report as a gesture of goodwill and for verification of accuracy under the Fair Credit Reporting Act ( FCRA ). My request was based on my right to fair and accurate reporting, as mandated by FCRA and related U.S. Code provisions, including : 15 U.S.C. 602 : Declares the purpose of FCRA to ensure accuracy, fairness, and privacy of information in consumer reporting.

15 U.S.C. 1681 ( Section 604 ) : Grants consumers the right to request information used in credit reports and mandates credit reporting agencies to ensure accuracy and fair reporting.

15 U.S.C. 1666B : Establishes rules on how credit information must be reported, allowing consumers to dispute inaccuracies and requiring the removal of unverifiable information.

Despite sending certified letters, I have not received confirmation of receipt or a response from XXXX and XXXX. Additionally, XXXX has continued to request duplicate documents that I have already provided, which feels like an intentional delay and obstruction of my right to timely dispute resolution under 15 U.S.C. 1681i. This section requires credit bureaus to investigate disputes within 30 to 45 days and inform the consumer of the results.

In my original request, I specifically asked each bureau to provide documentation proving the accuracy of each reported late payment, including : Payment records from the creditor showing the due date and receipt date for each payment.

Account statements and billing history for the dates in question.

Communication records regarding any notifications of missed or late payments.

Date-specific verification for each late payment reported. 
I am requesting CFPB assistance to ensure that XXXX, XXXX, and TransUnion fulfill their legal obligation to provide this verification or, if they can not, to remove these items from my credit report. These unverified entries are negatively impacting my credit standing, despite my commitment to improving my financial history. 

Thank you for your attention to this 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 non-monetary relief
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
On XX/XX/year>, I submitted a goodwill request to Experian, XXXX, and XXXX, seeking the removal of several late payment entries on my credit report as a gesture of goodwill and for verification of accuracy under the Fair Credit Reporting Act ( FCRA ). My request was based on my right to fair and accurate reporting, as mandated by FCRA and related U.S. Code provisions, including : 15 U.S.C. 602 : Declares the purpose of FCRA to ensure accuracy, fairness, and privacy of information in consumer reporting.

15 U.S.C. 1681 ( Section 604 ) : Grants consumers the right to request information used in credit reports and mandates credit reporting agencies to ensure accuracy and fair reporting.

15 U.S.C. 1666B : Establishes rules on how credit information must be reported, allowing consumers to dispute inaccuracies and requiring the removal of unverifiable information. 
Despite sending certified letters, I have not received confirmation of receipt or a response from Experian and XXXX. Additionally, XXXX has continued to request duplicate documents that I have already provided, which feels like an intentional delay and obstruction of my right to timely dispute resolution under 15 U.S.C. 1681i. This section requires credit bureaus to investigate disputes within 30 to 45 days and inform the consumer of the results.

In my original request, I specifically asked each bureau to provide documentation proving the accuracy of each reported late payment, including : Payment records from the creditor showing the due date and receipt date for each payment.

Account statements and billing history for the dates in question.

Communication records regarding any notifications of missed or late payments. 
Date-specific verification for each late payment reported. 
I am requesting CFPB assistance to ensure that Experian, XXXX, and XXXX fulfill their legal obligation to provide this verification or, if they can not, to remove these items from my credit report. These unverified entries are negatively impacting my credit standing, despite my commitment to improving my financial history. 

Thank you for your attention to this 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