vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
ACCORDING TO THE FAIR CREDIT REPORTING ACT ( FCRA ) section 605B requires consumers reporting agencies ( CRAs ) to block the reporting of any information in a consumers file that the claims resulted from identity theft. I am unaware of the hard inquiries and collections on my report. XXXXXXXX XXXX XXXX americredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX ( unauthorized and unaware of this collection ) this company has yet to give a purchase agreement with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

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

To ensure proper reporting, could you kindly provide the following : A copy of the Form 1099-C issued for this cancellation.

A statement outlining the amount of debt forgiven and any applicable interest or charges. 
A description of any other terms or conditions related to the cancellation of this debt. 
Confirmation of the date the debt was officially canceled. 
Please provide the requested documents at your earliest convenience. If you need any additional information from my end to process this request, please do not hesitate to contact me. 

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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

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

To ensure proper reporting, could you kindly provide the following : A copy of the Form 1099-C issued for this cancellation.

A statement outlining the amount of debt forgiven and any applicable interest or charges. 
A description of any other terms or conditions related to the cancellation of this debt. 
Confirmation of the date the debt was officially canceled. 
Please provide the requested documents at your earliest convenience. If you need any additional information from my end to process this request, please do not hesitate to contact me. 

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please delete these unauthorized inquires from my credit report. Transunion, XXXX, and XXXX are all reporting unauthorized inquires which has damage my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry from XXXXXXXX XXXX XXXXXXXX my credit report, dated XX/XX/year>. I believe this entry is inaccurate and does not meet the standards of accuracy, fairness, or privacy required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 
Upon reviewing my credit report, I found this late payment listing, which I believe is either incorrect or no longer applicable under the FCRA. Under 15 U.S.C. 1681e, credit reporting agencies are required to ensure the information they report is accurate and up-to-date. Additionally, the FCRA mandates that irrelevant or outdated information be removed, particularly when it no longer affects my creditworthiness or future transactions. The continued reporting of this late payment violates these provisions.

The inaccurate entry is currently impacting my ability to secure both an auto loan and a mortgage, causing undue financial hardship. I respectfully request that you investigate this issue and remove the entry from my credit report.

Please provide written confirmation of your findings and an updated copy of my credit report once the correction has been made.

Should you require further information, I can be reached at the contact details provided above. 
Thank you for your prompt attention to this matter. 
SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card or loan with a financial institution called XXXX XXXX using my SSN and other details without my consent or knowledge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) 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 explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Just recently, after reviewing my credit report on XX/XX/year>. I have notice that there is a discrepancy with this account that is listed under my Transworld System Inc and the validation was requested as this was an account that I did not recognize. Now I have reviewed my credit report again on XX/XX/year> and the account continues to reflect on my credit report. I have not received any correspondence from this creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on XX/XX/year>. Then after seeing my credit report again on XX/XX/year> there have been no updates and account is still reflecting on my report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received has been received proving that the account belongs to me and all information is correct. 

Account name : Transworld System Inc Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exist, ( please remove this account before I seek litigation for defamation of character. ) 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 2025-01-01 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This complaint is to the Credit Card issuer ( XXXX XXXX from Comenity Bank ) : 1 ) I overpaid the XXXXXXXX XXXX statement by paying twice and provided proof that my bank account had been charged the same amount twice. 
2 ) When I initially talked to a few representatives from the company, one person was able to give me a refund for the duplicate payment. 
3 ) The Credit Card issuer than posted a charge called CREDIT BALANCE REFUND and asked me to pay the duplicate payment amount again on the XXXXXXXX XXXX statement. This is the amount I had overpaid and was previously refunded for. After seeing it again on the XXXX statement, I was forced to pay it to avoid interest. I called the company and they refused to deduct this disputed amount and required me to pay it. 

I believe this is cheating, the company created a nonsensical CREDIT BALANCE REFUND charge to deny my refund and is not willing to deduct it, forcing me to pay. 

I am the victim of this cheating, please help look into it. 

Thank you

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

Complaint narrative:
Experian XXXX XXXX XXXX, TX XXXX Subject : Request to Remove Unauthorized Hard Inquiry Due to Identity Theft Dear Experian, I am writing to formally report that I am a victim of identity theft. I recently reviewed my credit report and discovered an unauthorized hard inquiry from XXXX XXXX XXXX XXXX, dated XX/XX/year>. I want to emphasize that I did not apply for or authorize this inquiry and have never sought any credit products from XXXX XXXX XXXX XXXX. 

My personal information was exposed in the XXXX data breach, which I believe may have contributed to this fraudulent activity. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and its amendments, particularly section 605B ( 15 U.S. Code 1681c-2 ), I am requesting the immediate removal of this hard inquiry from my credit report. The FCRA mandates that once a consumer provides evidence of identity theft and requests the removal of fraudulent items, the credit bureau must block and remove such items within four business days of receiving the request.

To comply with the law, I have enclosed the following : A copy of my credit report highlighting the unauthorized hard inquiry.

A completed Identity Theft Report ( FTC affidavit and/or police report ).

Proof of my identity, including a copy of my government-issued ID and proof of residence.

Failure to comply with this request would constitute
a violation of the FCRA, specifically section 605B. The penalties for noncompliance include fines and statutory damages, as provided under 15 U.S. Code 1681n and 1681o. Case precedents, such as XXXXXXXX XXXX XXXX XXXX, demonstrate that credit reporting agencies may be held liable for damages resulting from inaccuracies on a credit report due to inadequate resolution of identity theft claims. 

I kindly request written confirmation that the unauthorized inquiry has been removed from my credit report. If you need additional information or documentation to process this request, please contact me at [ your phone number ] or [ your email address ]. 

Thank you for your prompt attention to this matter. I look forward to your confirmation within the legally required timeframe. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My credit file was pulled and didnt receive a product and this is a violation and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA
State: CA

Complaint narrative:
I do not know the company MOHELA? Began sending unwanted bills, sharing my identity/social security and harming my credit score! I never agreed to anything with MOHELA. 
I get unwanted calls and collection debt threats I have a unwanted unpaid debt to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: CARRINGTON MORTGAGE SERVICES, LLC
State: HI

Complaint narrative:
On XX/XX/year> I called Carrington Mortgage to request removal of escrow payments from our monthly mortgage payment so that my husband and I could pay these ourselves. They told me to send a written request to a specified address, which I submitted that same day ( see attachment ). We received an Escrow Closing Notice from them dated XX/XX/year> confirming that effective XX/XX/year>, that we would no longer have an escrow account with them. At the end of XXXX, we noticed that our Autopay for our mortgage was still including escrow amounts, and I reached out to them again. I spoke with a representative and then a supervisor, who informed me that someone ( at Carrington ) had mistakenly placed a Mortgage Assistance request on our account and for that reason, the Escrow Closing was prevented, even though we had received the confirmation ( see attached ) in the previous month. The supervisor told me that she was requesting the removal of the Mortgage Assistance ( as we had never requested it ) and that she would escalate the removal so that the escrow could be removed from our mortgage account. She asked that we send another letter ( to the same address ) again to request the removal of escrow from our account. We did that ( see letter # 2 attached ). We are now in XXXX, and our mortgage amount is STILL including escrow impounds. My husband and I called XXXX again yesterday and spoke to XXXX ( a supervisor ), who asked us to explain the situation AGAIN and asked that we send yet ANOTHER letter. We refused, stating that we had done so twice before and now had XXXX  confidence that it would result in anything. He told us that he was expediting this to their Escrow department, and assured us that we would receive a call back today by XXXX HST regarding resolution to this seemingly simple request. We informed that if we did not hear anything, we would be reporting them. 

It is now XXXX HST , and we have had no call, text, or email regarding our request. We have jumped through all the hoops requested of us and still Carrington Mortgage fails to fulfill their obligation to perform. This is causing a burden on our ability to manage our finances as we prefer, as we are being held hostage by a mortgage company that continues to fail to perform in fulfilling what appears to be a common request. It is our feeling that Carrington Mortgage Services is operating in a fraudulent manner, and we demand immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Paramount Recovery Systems, L.P.
State: IN

Complaint narrative:
I have been a victim of identity theft. I have no knowledge of this account. As I am looking to build my credit when I logged into XXXX XXXX I notice unauthorized accounts that has never been tied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing regarding the above-referenced account. XXXX XXXXXXXX XXXX XXXX Please note that I am not disputing this account. However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. The Date of Last Payment made on this account. The Date of Charge-Off for this account. I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Propel, Inc.
State: PA

Complaint narrative:
I had unauthoized charges on my debit card ending XXXX and when i reported it they had said that the card will be deactivated and no more charges can be made using that card number. On XX/XX/scrub>XXXX XXXX XXXX there was a charge in the amout of XXXX using card ending in XXXX. How is this even possible if the card was deactivated. i dont know why i was even charged as i did not make and purchases today how was a card that was deactived to protect me from further fraudulate activity be used over a month later. How dose this protect me

Company response to consumer: Closed with explanation