vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX is reporting false information this account was charged off and I never received a 1099 C cancellation of debt from this company, I would like a copy of the 1099 C and verification it was filed with the IRS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am writing to formally address your ongoing harassment and improper practices. Over the past three weeks, I have received 4-5 calls daily, including some from anonymous numbers, regarding an alleged debt, even after my account was closed in good standing. Despite repeated contact, you have failed to provide any written validation of the debt, including proof of the validity of charges, fees, or interest accrued. This conduct is in violation of the Michigan Regulation of Collection Practices Act ( RCPA ). 

I am writing this as I humbly seek to have this matter resolved both promptly and amicably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have no knowledge of this account Im a victim of identity theft and the XXXX  data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am aware that under the FCRA I should have received a 1099c once this account was as charged off. This account was last updated as per my XXXX  consumer credit report in XX/XX/year>. The amount charged off /written off is {$2600.00}. I am hereby requesting a copy of the 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: VA

Complaint narrative:
account # XXXX has been charged off with XXXX  XXXX XXXX, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer who can file a 1099 C as well. XXXX  XXXX XXXX filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud Furthermore Credit Control LLc is trying to collect on an account that has been charged off and deemed as income by the IRS and is considered income and they are also committing 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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
I sent {$1000.00} via Zelle associated with XXXX for a car deposit. 
To XXXX XXXX ( XXXX ) XXXX This was a scam. 
On XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My accounts was breeched and my personal information was exposed for the 3 credit bureaus Equifax, XXXX XXXX XXXX XXXX. I was informed I would receive an email regarding the settlement by the monitoring agencies that were found liable for damages,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I was repeatedly solicited to refer this POS system to other potential clients in return for a {$750.00} referral bonus 90 days after the new client started service. I asked the company representative if we needed to keep our service with them open in order to receive the bonus. I was advised in writing that I did not need to be processing transactions with them in order to receive the {$750.00}. So, I went ahead and provided them with a successful referral which involved work on my part to convince the new client to use their service. I emailed the rep dozens of times to find out why I hadnt received my {$750.00}. Each time he assured me that it was coming and that he would not forget me. Finally, he informed that I was not eligible because I was no longer processing transactions and so after months of back and forth I would not be getting my bonus. Again, he assured me in writing that I would get the bonus even if I was no longer processing with them. I believe that this company has committed fraud and I would like my money now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
account # XXXX and # XXXX has been charged off with Bank Of America, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer who can file a 1099 C as well. Bank Of America filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud Furthermore XXXX XXXX XXXX XXXX is trying to collect on an account that has been charged off and deemed as income by the IRS and is considered income and they are also committing 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 2024-12-22 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action
to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
For the full story. I ordered a jacket with my cashapp card from a website. However, they ended up not having my size so they decided to either give me a refund or replace it. I chose the refund. So around a week later I contacted the merchant and they stopped responding and they took down their website and all of their socials. So I went to cashapp to dispute this purchase but for some reason they keep denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
Consumer Protection Agency Complaint GM Financial XXXX XX/XX/XXXX GM Financial had an obligation to honor the Total Loss Protection Addendum, and to obtain that settlement in accordance with the terms of the original agreement. 
The original retail purchase contract agreement included a Total Loss Protection Addendum at the time of purchase in XX/XX/XXXX. The contract agreement was originally financed through AmeriCredit, then assumed by GM Financial. 
In XX/XX/XXXX, XXXX options were presented as a final disposition offer to offset the loss. 
1 ) Finance another vehicle with XXXX XXXX or, 2 ) Confirmation that surrenders the damaged vehicle to XXXX XXXX XXXX, through a XXXX XXXX XXXX XXXX, by XXXX XXXX who collaboratively agreed to the Total Loss of the XXXX XXXX XXXX XXXX and recovered their vehicle. 
Moreover, pursuant to the Consumer Financial Protection Act and 15 U.S.C.

1692 ( e ) and ( f ) under the Fair Debt Collection Practices Act ( FDCPA ). The federal law limits the actions of GM collection tactics. 
a ) that overtly holds the misrepresentation of debt now tied to my consumer credit reports and subsequent credit under-rating is used to coerce, bully and browbeat the borrower into submission is intentional and, b ) who are attempting to collect alleged GAP ( Total Loss Protection ) a provider will pay the lienholder the remaining balance of the loan.

Pursuant to 15 U.S. Code 1692k - Civil liability, after filing an official complaint with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX has been given legal advice to explore potential legal civil remedies against GM Financial XXXX, such as filing a civil complaint in US District Court, as well as and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
Me, my father and my grandfather have the same exact name. There are things that Ive been placed on my credit report that are not valid nor belonging to me. Im disputed so many different times. Ill try my best to get things out of my name and Ill call my credit report and send to the report of which it belongs And now its affecting me financially

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
I ASK THEM TO REMOVE THIS DEBT THAT IS SHOWING UP ON MY CREDIT REPORT AS A CHARGE OFF OR SOLD AND I HAVE BEEN DOING THIS FOR OVER 5 YEARS AND STILL IS NOT REMOVED. I ALSO ASKED FOR A 1099C SINCE THIS WAS A CHARGE OFF OR SOLD AND RECEIVED NOTHING AS OF TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/year>, our organization, XXXX XXXX XXXX XXXX, sent a wire transfer from our XXXX account to a US Bank account to pay XXXX XXXX for a vacation package to XXXX. The amount was {$16000.00}. The account was fake, set up by a scammer to intercept our payment. The scammer opened an account at US Bank under the name of XXXX XXXX, XXXX of the biggest XXXX XXXX XXXX XXXX  in the US, to facilitate the transfer. US Bank did XXXX due diligence to verify that the person attempting to open the account was authorized to do so, and accepted an XXXX that didn't match the business. 

When the fraud was discovered in early XXXX, XXXX issued a recall against the wire transfer, but US Bank has refused, despite the fact that it was their gross negligence that facilitated this crime. Had they done even the minimum verification, such a a simple phone call to XXXX, the attempted fraud would have been discovered and thwarted, and the perpetrator likely apprehended. 

Instead, they have ceased all communication and refuse to make restitution or even discuss it, leaving a legitimate business and our small recreation club out a substantial amount of money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: Veros Credit, LLC
State: MO

Complaint narrative:
Veros Credit put a illegal repo on my car with {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
My Victoria Secret Credit Card has been used a maximum of 3 times and each time I pay the balance in full. After not having used my card in almost a year I went to use it and it was declined. When I contact them, I was told it was interest and late charges, although they did verify, I had paid the balance they stated there was additional interest due and the agent stated, " I can't explain this ''. But then stated I needed to pay over {$200.00} in interest and late fees? When I requested a transaction history, she stated the only way to get one is to request it in writing. I do not owe this dollar amount and have a right to get my transaction history in order to prove that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia ( Case No. XXXX ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account/ Transaction/ XXXX XXXX XXXX XXXX XXXX XXXX ; Balance : {$9600.00} ; Opened : XXXX XXXXXXXX XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief