vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX and XXXX Department of education student loans. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, late payments and hard inquiries appearing on my consumer credit 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 # ( private case number ) as proof from the US 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 2024-12-31 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: Kriya Capital, LLC
State: LA

Complaint narrative:
I am writing to formally dispute the collection account listed by your agency on my credit report, referenced by the account name [ Credit Resource Management ]. I believe this debt is either inaccurate or invalid due to the following reasons : 1. Debt Sold Without Proper Notification : I was not properly notified that the original creditor had sold my debt to your agency. I request proof that you have the legal right to collect this debt.

2. Account Information Discrepancies : Account reported was open XXXX XXXX with a balance of XXXX XXXX. Verification of Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. This includes a copy of the original agreement, proof of the amount owed, and a clear chain of assignment from the original creditor to your agency. 
Please provide the following documentation to verify the debt : The original signed contract or agreement. 
Proof that the debt was transferred to your agency and the full chain of ownership. 
Any relevant statements or records of the debts history. 
Until the debt is properly verified, I request that you cease reporting this collection account to the credit bureaus. If you are unable to provide the requested documentation, I ask that you remove this collection account from my credit report immediately, as it is being reported inaccurately. 
Please note that under the Fair Debt Collection Practices Act, you are required to respond to my dispute within 30 days. If you do not respond or fail to validate the debt, I request that this entry be removed from my credit report. 
Thank you for your cooperation in resolving this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I bought the XXXXXXXX XXXXXXXX XXXX XXXX  on XXXX XX/XX/XXXX. The device after a month popped up with the message of being stolen. Which I didnt mark and the device was fully unlocked, I seeked support from both XXXX and XXXX but they are not able to resolve the issue after 2 years. Thats the reason for the request of dispute. The amount was charged on spend account on XXXX XX/XX/XXXX. The bank ( PNC ) is unable to lookup the data past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have spoken to XXXX XXXX the last year and to this date on my credit card they have failed to report the last 7 years to the credit Bureau XXXX Transunion. Additional names used for me are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. i have only had my credit cards in XXXX, TN and XXXX, GA XXXX, XXXX and XXXX. 

At this time, the Transunion report is XXXX under XXXX XXXX XXXX and the File number is XXXX. XXXX XXXX  is only reporting from XX/XX/XXXX to present day and failed to report the amount of my payments for the month as well. I need all my payments reported as this is my main credit card that I always use and it needs to go back 7 years from when I first asked them to send it and correct it. The police report number is XXXX XXXX and cell XXXX. His name is XXXX XXXX. Please correct XXXX and get my score and credit report to me as my records remain mixed up with XXXX XXXX XXXX. I will be unavailable from XX/XX/XXXX until XXXX, XXXX with no access to email, phone or other. 

I need a phone call with the contact information for the executive offices as well as a mailed copy by XXXX Mail with complete contact 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 2024-12-31 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: LEXISNEXIS
State: TN

Complaint narrative:
I have spoken to XXXX XXXX the last year and to this date on my credit card they have failed to report the last 7 years to the credit Bureau XXXX XXXX. Additional names used for me are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. i have only had my credit cards in XXXX, TN and XXXX, GA XXXX, XXXX and XXXX. 

At this time, the XXXX report is XXXX under XXXX XXXX XXXX and the XXXX number is XXXX. XXXX XXXX XXXXs only reporting from XX/XX/XXXX to present day and failed to report the amount of my payments for the month as well. I need all my payments reported as this is my main credit card that I always use and it needs to go back 7 years from when I first asked them to send it and correct it. The police report number is XXXX XXXX and cell XXXX. His name is XXXX XXXX. Please correct XXXX and get my score and credit report to me as my records remain mixed up with XXXX XXXX XXXX. I will be unavailable from XX/XX/XXXX until XXXX, XXXX with no access to email, phone or other. 

I need a phone call with the contact information for the executive offices as well as a mailed copy by XXXX Mail with complete contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Dear, XXXX I hope this letter finds you well. I XXXX XXXX, am writing to request form 1099 -c for the cancellation of debt related to my account, which has been charged-off. Alternatively, if this was reported in error I kindly request its removed from my credit report. 
Your prompt attention to this matter is greatly appreciated. 
Thank you for your assistance Sincerely, XXXX XXXX Account # 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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Thank you for your immediate action to this issue.

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 2024-12-31 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: LA

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I received a a yearly credit report XX/XX/XXXX, and I see that Bank Of America is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes. 
I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS ( Internal Revenue Service ), and ( XXXX XXXX XXXX ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


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 2024-12-31 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: NC

Complaint narrative:
Please help me get these unauthorized inquiries off my report. 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 US DEPARTMENT OF EDU 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: NC

Complaint narrative:
Please help me get these unauthorized inquiries off my report. 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 US DEPARTMENT OF EDU 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 2024-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rozlin Financial Group, Inc.
State: OR

Complaint narrative:
I am writing to formally dispute a debt claim made by Rozlin Financial Group LLC. They are attempting to collect a debt of {$4100.00}, which I do not recognize or believe to be valid. Rozlin Financial Group LLC is a third-party agency, and I have no prior knowledge of owing this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Rozlin Financial Group LLC provide all documents and information that validate this debt, including : - A detailed account of how this debt originated. 
- Evidence of any agreement or contract that I entered into, which resulted in this debt. 
- Any statements, invoices, or payment records associated with this claim. 
- Documentation showing that Rozlin Financial Group LLC has the legal right to collect this debt. 

Without sufficient evidence and validation, I will continue to assert that this debt is false and should be removed from my records. Additionally, I request that all collection activity cease until this matter is resolved. 

Please ensure Rozlin Financial Group LLC is held accountable for providing the requested information and adhering to all applicable federal regulations. 

Thank you for your assistance.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
When initially opening account, Chase ( consumer bank ) held my direct deposit personal paycheck for several days. This caused a delinquency in bill payment. 
Today, XX/XX/year> they are also putting a personal transfer from my own savings account into my Chase checking account on hold. This will make delinquent and delay a mortgage payment. Despite spending an hour on the phone with their customer reps in each case, weve not been able to remedy this or the associated fees caused by their arbitrary holds. 
Neither transfer was near or in excess of the {$10000.00} limit. In the first instance, we were told this is a one time occurrence to ensure proper delivery of future payments given that we had recently opened an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was involved in a date breach with multiple credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Made a {$50.00} payment on XX/XX/year> on an outstanding balance of {$160.00}. They pulled {$700.00} from my account. I had to start a dispute with my bank to get a provisional credit to cover my car payment. They could not tell me how it happened or even that they showed anything wrong on their end. Had I not checked my account, all kinds of things would have bounced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX I received a a yearly credit report XX/XX/XXXX, and I see that XXXX XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes. 
I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS ( Internal Revenue Service ), and ( XXXX XXXX XXXX ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TN

Complaint narrative:
XX/XX/XXXX I received a a yearly credit report XX/XX/XXXX, and I see that XXXX XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes. 
I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS ( Internal Revenue Service ), and ( XXXX XXXX XXXX ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TN

Complaint narrative:
XX/XX/XXXX I received a a yearly credit report XX/XX/XXXX, and I see that XXXX XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes. 
I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS ( Internal Revenue Service ), and ( XXXX XXXX XXXX ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Dear, Capital one I hope this letter finds you well. I XXXX XXXX, am writing to request form 1099 -c for the cancellation of debt related to my account, which has been charged-off. Alternatively, if this was reported in error I kindly request its removed from my credit report. 
Your prompt attention to this matter is greatly appreciated. 
Thank you for your assistance Sincerely, XXXX XXXX 1 ) Account # XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX XXXX  mo XXXX

Company response to consumer: Closed with explanation