vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I recently reviewed my credit report and found some billing inaccuracies. These reported late payments dont align with my usual prompt payments. Please address this issue and update my account.

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 2024-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I went to XXXX and has a XXXX XXXX. I was told my insurance covered it. XXXX XXXX fraudulently billed my insurance and as a result it said I had an unpaid debt. Years later after I had that visit IC System starts harassing me for that debt. XXXX XXXX sent the debt to them for collection without my knowledge or notification. I was never contacted to be told I even had an outstanding debt. I called XXXX XXXX and they admitted it was they and re-billed my insurance to pay for the XXXX XXXX. My debt is paid. But IC System is still harassing me despite the fact that it has been months via, email and phone calls. I made an email that is not on the internet and somehow they found it an harassed me on that one as well.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX ) I opened an XXXX XXXX chase credit card in XX/XX/year> and by XX/XX/year> I spent more than the {$4000.00} spending limit required in order to be eligible for the spending bonus. The requirement was to spend $ XXXX within 3 months of opening the card to earn XXXX free nights of stay at XXXX XXXX. 
XXXX ) On XX/XX/year> I called Chase customer service to enquire if I met the spending limit since there was no tracker in Chase app to check if I met the limit. The customer service person said I spent {$4000.00} and meet the spending requirement for the bonus. When I asked them why I did not get the bonus after meeting the limit they told me it would be available within 6-8 weeks. 
Side note : I checked my call log and see that I called chase on XX/XX/XXXX and XX/XX/year> but dont remember the exact date when I called them to talk about this. I do know it was between XX/XX/XXXX and XX/XX/XXXX. 
XXXX ) On XX/XX/year> I called Chase to ask why I did not get my bonus and they then said that I only spent {$3900.00} and do not qualify for the bonus. When I told them that Chase customer service confirmed earlier that I had met the limit, they said that was probably because the previous agent did not account for the fact that the {$100.00} membership bonus is not included in the minimum spend limit. I asked if there was anything they can do to extend the deadline or compensate for the fact that I missed my bonus because of the misinformation they provided, they refused and said the limit was a hard rule. 
XXXX ) I then asked to speak to a supervisor who said that they would file an escalation request and provided me with a request number. They said they would review the case and asked me when I last called Chase. I provided the information and they said I would get a call or email with an update. 
XXXX ) On XX/XX/year> I called Chase again for an update on the case. They told me that the case was closed on XXXX XXXX and i was not eligible for the bonus. I never received a call or email with an update. When I asked for the reason they simply said I did not meet the spend limit. When I asked if there was anything else they can do, they said they would provide training to the agents who allegedly misinformed me but said there would be no compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$230.00} XXXX  XXXX XXXX Balance : {$40.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
ACCOUNT NUMBER XXXX OF XXXX XXXX XXXX THAT I HAVE BEEN DISPUTING FOR 3 MONTHS IN EACH RESULT DOES NOT MATCH, THEY REINSERT LATE PAYMENTS IN EACH RESULT, IN XXXX, EQUIFAX AND XXXX THE INFORMATION IS DIFFERENT AND INACCURATE BOTH IN PERSONAL INFORMATION AND IN ACCOUNT NUMBER AND NUMBERS OF LATE PAYMENTS, NEGATIVELY AFFECTING MY CREDIT HISTORY WHICH IS IMPECCABLE, I DEMAND THROUGH THE LAW THAT PROTECTS US AS CONSUMER TO REMOVE THESE LATE PAYMENTS OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 15 U.S.C 1681 e ( b ) 15 U.S.C 1681 ( 5 ) 15 U.S.C 1681 ( 7 ) 15 U.S.C 1681 ( 5 ) ( b ) ( i ) ( i ) 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 MI WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Subject : Dispute of Inaccurate Information & Request for 1099-C Dear Sir/Madam, I am writing to formally dispute the inaccurate information that you have reported to the credit bureaus regarding my account [ XXXX XXXX XXXX XXXX XXXX  ]. I recently reviewed my credit reports from the three major credit reporting agenciesEquifax, XXXX, and XXXX I noticed discrepancies regarding this account. Such as it being reported with different balances and charge off amounts .According to the reports, the debt associated with this account is still being reflected in a manner that is not accurate or reflective of the true status of the debt. 

Furthermore, I am requesting that you issue a 1099-C ( Cancellation of Debt ) form for this account, as the debt has been written off, and I am entitled to receive this document for tax purposes under Internal Revenue Code Section 6050P. Based on the nature of the account being written off and settled, I believe I am entitled to receive this form. 

Please note that under the Fair Credit Reporting Act ( FCRA ), you are obligated to report accurate and complete information to the credit bureaus. I ask that you correct the inaccurate details with all three reporting agencies immediately, or provide a written explanation for why this information can not be corrected. 

In addition, I am requesting that you provide clear and detailed documentation confirming that this debt has indeed been discharged or written off, as required by the Fair Debt Collection Practices Act ( FDCPA ). I believe I should no longer be held liable for this debt, and your refusal to provide accurate reporting, as well as the 1099-C form, may be in violation of both the FCRA and FDCPA. 

If you fail to provide the requested documentation or continue to report inaccurate information, I will consider further actions to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I may pursue legal remedies as provided by the laws governing credit reporting and debt collection. 

Please respond within 30 days of receipt of this letter with an explanation of how you plan to resolve this matter. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Subject : Dispute of Inaccurate Information & Request for 1099-C Dear Sir/Madam, I am writing to formally dispute the inaccurate information that you have reported to the credit bureaus regarding my account [ XXXX XXXX XXXX XXXXXXXX XXXX ]. I recently reviewed my credit reports from the three major credit reporting agenciesXXXX Experian, and XXXX I noticed discrepancies regarding this account. Such as it being reported with different balances and charge off amounts .According to the reports, the debt associated with this account is still being reflected in a manner that is not accurate or reflective of the true status of the debt. 

Furthermore, I am requesting that you issue a 1099-C ( Cancellation of Debt ) form for this account, as the debt has been written off, and I am entitled to receive this document for tax purposes under Internal Revenue Code Section 6050P. Based on the nature of the account being written off and settled, I believe I am entitled to receive this form. 

Please note that under the Fair Credit Reporting Act ( FCRA ), you are obligated to report accurate and complete information to the credit bureaus. I ask that you correct the inaccurate details with all three reporting agencies immediately, or provide a written explanation for why this information can not be corrected. 

In addition, I am requesting that you provide clear and detailed documentation confirming that this debt has indeed been discharged or written off, as required by the Fair Debt Collection Practices Act ( FDCPA ). I believe I should no longer be held liable for this debt, and your refusal to provide accurate reporting, as well as the 1099-C form, may be in violation of both the FCRA and FDCPA. 

If you fail to provide the requested documentation or continue to report inaccurate information, I will consider further actions to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I may pursue legal remedies as provided by the laws governing credit reporting and debt collection. 

Please respond within 30 days of receipt of this letter with an explanation of how you plan to resolve this matter. 

Thank you for your immediate attention to this issue. I look forward to your prompt 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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
While checking my credit report, I came across accounts that I suspect are fraudulent. Kindly ensure these are removed from my report right away.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I called Experian XXXX different times and advised them they have my name incorrect on my credit report. The name still remains. My name is XXXX XXXX XXXX. They are reporting 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 2024-12-17 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NE

Complaint narrative:
Upon reviewing my credit report, I discovered discrepancies in billing. The late payments listed are inconsistent with my payment history. Kindly correct these mistakes and make the necessary updates.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently found accounts on my credit report that I did not open. Please ensure these unauthorized accounts are removed promptly.

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 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am writing to submit a complaint that Cash App/Block has done little to protect against multiple accounts being created utilizing my identity. I received the following email on XX/XX/XXXX and this week again received another cashapp card in the mail that I did not order to my home address. Cashapp is requesting that I contact law enforcement to investigate but are not themselves doing anything to protect consumers from fraud. I have put measures in place to remove my identity information from the dark web and my credit including freezes. None of this protects me from people utilizing CashApp to commit fraud in my name and setting up security parameters to prevent fraudsters from establishing accounts. The below email is from CashApp on XX/XX/XXXX. Cashapp refuses to identify to me the accounts that are open in my name and with my identity. 


Hi XXXX, We completed our investigation and found evidence consistent with identity theft concerning the unsolicited Cash App Card you received. 

Per your request, and in accordance with the Fair Credit Reporting Act, please note that our records reflect that on XX/XX/year>, an unknown individual opened a Cash App account and provided the following information, which matched the personal identifying information that you gave us. 

- Your Name ( first and last ) - Date of Birth - Physical Address - Social Security Number We share information in accordance with our Privacy Notice ( https : //squareup.com/legal/privacy ). If you report this matter to law enforcement, Cash App will cooperate with their investigation. We can provide additional details to local law enforcement if they make a request in writing or through other legal process. Should you choose to make a request through law enforcement, the investigating officer can contact us at XXXX XXXX XXXX  or via email at XXXX. 

To provide law enforcement with additional details about this account, we will need both a police report and a completed FTC identity theft report XXXX XXXX XXXX XXXX XXXX XXXX ) We also recommend visiting XXXX ( XXXX XXXX XXXX XXXX where they can help you report and recover from identity theft. 

To keep your information safe, its never a good idea to provide sensitive information such as bank account numbers, full debit/credit card details, account passwords, Social Security Numbers , or Individual Taxpayer Identification Number over email. 

While XXXX, our site, and service are secure, not all email servers are. For your security, Ive deleted the sensitive information in your previous message. 

XXXX Cash App Support ref :! XXXX.! XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently noticed billing mistakes in my credit report, specifically late payments that are inconsistent with my usual record of timely payments. Please fix these errors and update my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Band of America closed my business account without any details. I have a XXXX XXXX and I conduct a lot of check deposits. I do only XXXX payments wire transfers and check deposits in my account .. the bank just abruptly decided to end banking relationships with me. This is harmful to my business I dont conduct and wrong business I have invoices to all checks and I have proof of the legitimate XXXX  XXXX  being conducted of XXXX XXXX and other 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 2024-12-17 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, These inaccurate accounts are hurting my ability to obtain credit.

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 2024-12-17 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: NM

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation