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: DISCOVER BANK
State: GA

Complaint narrative:
Discover Card XXXX XXXX XXXX XXXX XXXX, Illinois 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 ( XXXX U.S.C. XXXX ), 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 XXXX have further implications for both tax reporting and compliance. 

According to IRS Publication XXXX, creditors 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 XXXX include a charge-off on their financial records. 

If you have reported this account as a charge-off or have ceased collection efforts, you XXXX 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 10 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had XXXX disputes from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for disregarding my confirmed quote for the rate of my rental. I provide proof they requested and denied my claim. I asked to have the information used to deny my claim and they told me they could only release that information with a court order.The second dispute was for a room I reserved and canceled XXXX hours after making the reservation. They did not use any of the information i sent them and again refused to send me the information they used to deny my claim without a court order. I understand that you will not do anything about their decision to deny my claim but don't I have right to see the information they used to deny my claim without a court order?

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 — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: Fidelity National Information Services, Inc. (FNIS)
State: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) that you, the CHEXSYSTEMS ( ChexSystems ) 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 account is associated with BANK XXXX XXXX as a charge off for the amount of {$320.00} account number XXXX reported on XXXX XXXX. I also notice the addresses and names on the account also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my CHEXSYSTEMS ( ChexSystems ) consumer credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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
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: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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: TX

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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: TX

Complaint narrative:
I am a member of the XXXXXXXX XXXX XXXXXXXX lawsuit that recently won the settlement to dismiss loans taken out to attend for-profit schools. I attended XXXX XXXX, which was a school included in the lawsuit. My federal loans have been discharged in full by the department of education. I have a private loan taken out by XXXX ( now managed by Mohela ) who has denied my School Misconduct Discharge request I submitted a few months ago. They did not provide a reason for the dismissal in the letter and intends to reinstate a due date and interest charges. The school has been sued on multiple occasions and the federal government has approved discharge of loans. XXXX/Mohela needs to be held responsible and do the same.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was a victim of identity theft. The following Information is fraud. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally contest and request the immediate reopening of my fraud claim # XXXX for my account ending in XXXX in the amount of XXXX related to the charges on my account, which were recently denied. The charges in question were not authorized by me and are fraudulent. 
In their previous communication, Bank of America mentioned that the charges were confirmed using one of my " verified devices, '' such as my cell phone or tablet. While this is correct in that my cell phone was used to perform the verification for these charges, I must clarify that my cell phone was stolen prior to these fraudulent transactions taking place. At the time the charges occurred, my phone was no longer in my possession, and it is highly likely that the thief used my stolen device to authorize the fraudulent transactions. 
To substantiate this claim, I have attached a copy of the police report documenting the theft of my phone, which includes details confirming that the device was stolen on XX/XX/year>. The fraudulent charges were made after the theft, further supporting my assertion that the transactions were unauthorized and criminal in nature.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : Fraudulent Accounts : Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : XXXX Account Name : XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : XXXX Account Name : XXXX XXXX  When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : XXXX Account Name : XXXX XXXX XXXX XXXX - When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

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 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing this account under 15 USC 6802, which ensures my right to privacy and protection against unauthorized sharing of my personal information. This account contains inaccurate information, and I did not authorize the sharing or reporting of this data under the conditions set forth by this law. I request immediate removal of this account as it is in violation of my rights under the Gramm-Leach-Bliley Act and other relevant consumer protection statutes.

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: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
This company is providing an inaccurate information in my credit report. 
I had a Hard Inquiry from XXXX XXXX  XXXX XX/XX/year> I contact the company who provided this hard inquiry and they send a letter responding my answers. 
This hard inquiry is turn into a soft inquiry, but the bureau agency Experian havent change my information violating my rights under 15 U.S.C 1681s 2 ( A ) ( 1 ). 
I leave the letter below so you guys can identify the proof of my dispute. 

Thank you!

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 — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
Hello, My old apartment complex ( who has received MANY complaints from previous tenants because they keep adding charges AFTER they close your account and they send those false charges to collections ) has submitted a false charge to a debt collections agency. There was no explanation of what these charges are for because I paid off everything on XX/XX/year> when my account with them was closed. I sent a letter through Certified Mail with tracking to I.Q. Data International , Inc. to dispute the debt. They are refusing to receive/sign for my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I make a wire transfer on XXXX for {$13000.00} XXXX Dollars to XXXX XXXX XXXX XXXX is equivalent to {$250000.00} Mx pesos. 
The money will be available XXXX but not, I contacted to Wells Fargo and XXXX opened a claim and XXXX  recognized XXXX money and XXXX will XXXX the money XXXX and dont do it. I call to Wells Fargo XXXX and they opened another claim to return my money to my account and asked me for XXXX labor days. I call today XXXX and they said they need 30 days.

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: 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: FL

Complaint narrative:
Company did not notify me of results within XXXX business days from reinserting these inaccurate accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
On Wednesday XX/XX/XXXX received a call from Ace Cash Express from telephone number XXXX. My account was not past due at the time and specifically asked the associate to place me on a do not call list. This company contacts me repeatedly before and when payment is due. The associate got aggressive and disregarded my request and wanted to know the exact time I can walk in to pay. I have since then received additional phone calls from Ace Cash Express after my requests to be placed on a do not call list. Additional calls received on XX/XX/XXXX, and XXXX, XXXX.

Company response to consumer: Closed with explanation