vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am filing a complaint against Self Financial Inc. for violations related to IRS tax reporting requirements on the property. 

I was the lender to Self Financial Inc. for credit associated with account. In tax year 2022, I acquired and took possession of property abandoned by Self Financial Inc. that was collateral for the account.

As the borrower, Self Financial Inc. should have filed IRS Form 1099-A to report my acquisition of this secured collateral property, but they failed to do so. This violates IRS regulations requiring borrowers to file Form 1099-A when lenders take possession of collateral property through acquisition or abandonment.

Additionally, Self Financial Inc. failed to properly adjust the account balances in the amount of {$1200.00} after I acquired the abandoned collateral property. This results in improper reporting of the debt obligation and has the potential for tax fraud if they are avoiding cancelled debt reporting. 

I have enclosed documentation showing my lawful acquisition of the property abandoned by Self Financial Inc. that should have been reported to the IRS using Form 1099-A. Their failure as the borrower to file this form represents a violation of IRS reporting rules and an unfair and deceptive practice.

I request that the CFPB investigate this complaint against Self Financial Inc. for failing to perform their duties and take appropriate action to compel them to comply with IRS regulations on reporting foreclosed collateral property. Consumers should not be harmed by such violations of proper tax reporting requirements. Please notify the proper authorities within IRS of Self Financial Inc blatant and willful negligence regarding with tax matter and potential tax fraud.

Please contact me if any additional documents are needed regarding this complaint. I look forward to your prompt assistance enforcing these important consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In XX/XX/XXXX I started reviewing my credit reports from the following bureaus XXXX, Equifax, and XXXX. As I began going through my report I notice a good amount of discrepancies on my credit report. As I began to get some of the items corrected and removed from my report, I notice that some inquiries were made that I did not authorized. These unauthorized inquiries are causing my credit score to be affected. 

The inquiries that I am referring to are XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In XX/XX/XXXX I started reviewing my credit reports from the following bureaus XXXX, XXXX, and Experian. As I began going through my report I notice a good amount of discrepancies on my credit report. As I began to get some of the items corrected and removed from my report, I notice that some inquiries were made that I did not authorized. These unauthorized inquiries are causing my credit score to be affected. 

The inquiries that I am referring to are XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( 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 2023-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I receive solicitation to open up a Heloc at least once a month from Citizens Bank for over 2 years. This letter contains a code to open up the account. 

I have called, written and begged Citizens Bank to stop soliciting mail offers to me, in other words, take me off the do not solicit list. Whoever I speak to promises that I have been put on the list not to solicit, but I still keep on getting the solicitation letters for Heloc. 

My last request was to XXXX at the XXXX XXXX XXXX XXXX in XXXX, 2023. 

I feel that my request to take me off the solicit list is totally being ignored, which from what I understand, is against the law. My request should be granted. 

I am hoping you can get Citizens Bank to stop soliciting to me and they follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on Experian Report XX/XX/XXXX and I noticed that this Inquiries had been made 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have filed numerous disputes with Transunion regarding 2 bankruptcies that are being reported fraudulently I have filed FTC reports for Identity theft, I have reached out to XXXX XXXX & XXXX. XXXX XXXX has removed the information.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have went over my credit report and there is a account from XXXX XXXX that I do not recognize

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
We requested late payments be removed during XXXX time period since we should have been protected by the CARES ACT. The mortgage company/bank did send a letter on XX/XX/XXXX l, 2023 to all XXXX credit bureaus requesting that the late payments be removed for XXXX mortgage loans ( second one was XXXX  ). The main mortgage loan lateshave been removed, however the second loan account lates have not been removed yet. It has been 45 days since the request to remove, and needs to be updated immediately as we are trying to purchase another home and this is keeping us from doing so. I am attaching the letters from the bank/mortgage institution for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/XXXX and I noticed that this Inquiries had been made XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
In XXXX of XXXX, I had a home security system installed and it was financed through Fortiva Retail Credit. Attached is the cardholder agreement. It states the ARP is 0.00 %. I set up automatic payments and had no issues with this account. Recently, I saw on my credit report that XXXX XXXX my credit and opened a NEW account for a XXXX Credit Card XXXX This week I received a Fortiva Credit Card. The credit card has an APR of 28.99 %. Fortiva Retail Credit transferred my balanced to Fortiva Credit Card. Fortiva Credit Card ran my credit report and opened a new account without my permission. This caused my credit score to go from XXXX ( on XX/XX/XXXX ) to XXXX ( on XX/XX/XXXX ). Attached is my credit score information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AmeriCollect
State: FL

Complaint narrative:
This is my 2nd attempt request to stop contact from this company. They continue to harassment me, my family, my employer, my landlord and I want it to stop. A few months ago they agreed to stop with the harassment ( which I have written proof from them ) but they have continued to do so and I want it to stop ASAP or I will take legal action against them for the constant harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On or about XX/XX/2023, Citibank Mastercard acknowledged receiving my payment in full, and knew that the payment cleared my bank at Wells Fargo, but did not release the payment for two weeks and were holding it making money leaving it in their interest bearing general bank fund for Citibank. 

Citibank calls this new policy floating the payment, and it is illegal because they do not disclose that this will happen, and have no real justification for it as I have made all my payments on time and have been in good standing. 

Need your help to stop this illegal practice.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
A company named CCS has placed a collection account on behalf of XXXX on my credit report. It's in the amount of {$410.00}. I have never had an account with XXXX. They confirmed this via the XXXX  complaint that I filed with them, but they failed to provide this information on a letterhead. The response given to me was that they contacted CCS to remove it from my credit report. I also filed a XXXX  complaint with CCS. They responded asking me for the " account number '' that I do not have for the collection. And they have yet to respond back. However, I've been working with XXXX XXXX theft. With that team I have called CCS and they too confirmed they do not have an account for me. They used my social security number, driver 's license number, maiden and married name, and address and were not able to locate an account for me. The same information was provided to XXXX and they too were not able to find an account for me. When I did file a dispute with XXXX they came back and told me the collection was valid although both companies say it is not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I have been trying to get my equifax credit freeze/lock removed from my account, I have contacted them numerous amounts of times and they still haven't removed it. It seems like they are refusing to remove the freeze/lock

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I logged into my online account to find that PenFed had closed my line of credit. I called customer service and was told that it was closed on XX/XX/2023 due to inactivity. I asked if an email or letter was sent to me, because i did not receive any communication. She said based on my account profile and FICO, there was nothing that would cause a closure. She put me on hold and spoke to a supervisor, who said it would seem that a letter would be sent, but it appears no such letter is in their system. This is horrible customer service.

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 2023-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo to request a payment plan and they never sent the appropriate documents for me to apply. Instead I began to get foreclosure notices. I felt there was nothing I could do but sell. I did not want to sell I wanted a way to catch up but was never offered any payment plan. Just continued notices of foreclosure. Once I requested to do a short sale Wells Fargo was XXXX in the spot. I took a {$60000.00} lost when my home was sold.

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