vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
No Accurate information No missed Payment / Removed negative mark Damage my Fair Credit Rights to access a best opportunities and Competitive Rates TransUnion and XXXX Remove any negative mark from my credit Report

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 2024-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received the text messages attached on XX/XX/year> and XX/XX/year> from TSI indicating there's a need to resolve my XXXX  account. There's no detail in the text to let me know exactly what the debt is, but I assume that it's for XXXX XXXX XXXXXXXX, which is a utility company that provides gas to my home. I checked my account and I have a balance of {$0.00}, as it has been on autopay to my credit card for many months. I called the number in the text today ( XX/XX/year> ) at XXXX and spoke with someone named XXXX XXXX She stated that she could not find record of what debt this was referring to and would need my social security number to proceed with finding it. I refused to give that and then asked if I could ignore these texts, and she said I could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX charged off my account, but I did not receive a 1099-C form for the canceled debt, which the IRS requires them to issue when they forgive a debt of {$600.00} or more. As of the date of this letter, I have not received the necessary documentation to report this debt cancellation on my tax return. Despite my attempts to resolve the issue directly with XXXX XXXX, they have failed to issue the 1099-C form or provide any explanation for their non-compliance.

As a result, I am concerned about the potential tax implications, as this debt cancellation may be considered taxable income. I believe that XXXX XXXX 's failure to issue the required tax documentation has caused me unnecessary confusion and potential financial harm. Additionally, I am concerned that they may have violated consumer protection laws by failing to adhere to IRS reporting requirements, especially if they have reported this debt as a charge-off on my credit report without issuing the appropriate documentation. 
It has come to my attention that this alleged debt, which has been XXXX, is being treated as a Negative Item on my consumer report, which had an impact on my life and my family 's. I would like to clarify that Canceled Debt is prohibited from being reported on consumer credit reports. This inclusion of canceled debt should be considered as taxable income on my tax return. However, I never received this document even though it was charged off as of 2023.

This may inadvertently create tax complications, as you were required to send the 1099 c document prior to year end 2023

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX charged off my account, but I did not receive a 1099-C form for the canceled debt, which the IRS requires them to issue when they forgive a debt of {$600.00} or more. As of the date of this letter, I have not received the necessary documentation to report this debt cancellation on my tax return. Despite my attempts to resolve the issue directly with XXXX XXXX, they have failed to issue the 1099-C form or provide any explanation for their non-compliance. 
As a result, I am concerned about the potential tax implications, as this debt cancellation may be considered taxable income. I believe that XXXX XXXX 's failure to issue the required tax documentation has caused me unnecessary confusion and potential financial harm. Additionally, I am concerned that they may have violated consumer protection laws by failing to adhere to IRS reporting requirements, especially if they have reported this debt as a charge-off on my credit report without issuing the appropriate documentation. 
It has come to my attention that this alleged debt, which has been XXXX, is being treated as a Negative Item on my consumer report, which had an impact on my life and my family 's. I would like to clarify that Canceled Debt is prohibited from being reported on consumer credit reports. This inclusion of canceled debt should be considered as taxable income on my tax return. However, I never received this document even though it was charged off as of 2023.

This may inadvertently create tax complications, as you were required to send the 1099 c document prior to year end 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX charged off my account, but I did not receive a 1099-C form for the canceled debt, which the IRS requires them to issue when they forgive a debt of {$600.00} or more. As of the date of this letter, I have not received the necessary documentation to report this debt cancellation on my tax return. Despite my attempts to resolve the issue directly with XXXX XXXX, they have failed to issue the 1099-C form or provide any explanation for their non-compliance.

As a result, I am concerned about the potential tax implications, as this debt cancellation may be considered taxable income. I believe that XXXX XXXX 's failure to issue the required tax documentation has caused me unnecessary confusion and potential financial harm. Additionally, I am concerned that they may have violated consumer protection laws by failing to adhere to IRS reporting requirements, especially if they have reported this debt as a charge-off on my credit report without issuing the appropriate documentation. 
It has come to my attention that this alleged debt, which has been XXXX, is being treated as a Negative Item on my consumer report, which had an impact on my life and my family 's. I would like to clarify that Canceled Debt is prohibited from being reported on consumer credit reports. This inclusion of canceled debt should be considered as taxable income on my tax return. However, I never received this document even though it was charged off as of 2023.

This may inadvertently create tax complications, as you were required to send the 1099 c document prior to year end 2023

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 2024-12-19 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any accounts or transactions that i have made. It is the result of identity theft. 

The XXXX following Closed accounts need to be blocked and removed : XXXX ) XXXX - account XXXX - balance {$6900.00} and XXXX ) XXXX - account XXXX - balance {$7100.00}. 

Please block this information from my credit report, pursuant to section 605B of the fair credit reporting act, and send the required notifications to all furnishers of this information.

Enclosed are the following : SOCIAL SECURITY NUMBER, UTILITY BILL, GOVERNMENT ID, a copy of ftc identity theft report and proof of my identity and copy of section 605b of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identiy theft within four business days and to prompt notify the furnishers of that 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 explanation
Consumer complaint received 2024-12-19 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: LA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I recently opened an AMEX Rewards Checking account with a Debit Card. I am currently using this AMEX Debit Card as an AUTO Pay for XXXX XXXX XXXX XXXX payment each month. AMEX doesn't run their Debit Cards as a TRUE debit transaction. XXXX XXXX XXXX Discounts for Auto Credit Card Payments is only {$5.00} per line but an Auto Debit Card or Checking Account Debit is {$10.00} per line. I was having trouble with my XXXX XXXX XXXX Phone bill and was on the phone with Customer Service and escalated to the management team for over an hour. The XXXX XXXX XXXX team both told me after research, that is how AMEX runs their DEBIT Card Transactions. I contacted AMEX customer service and they were no help either. I have worked in XXXX XXXX XXXX  my entire life, in the rXXXX XXXX XXXX Not other Debit Card such as XXXX, XXXX, or XXXX  initiate their Debit Cards this way. I researched on XXXX and found out others who have had the same issues. Rules and regulations govern how Debit Cards transactions can be processed legally. I know they are bound by FDIC and the Office of Comptroller of Currency. Could you please look into this situation and help find a solution or report to the appropriate agencies for violations?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1993, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the US Federal Trade Commission that all 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 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I must have had a Wachovia account back when I first began working when I was of age. I then closed my account and moved to XXXX I believe in XXXX and have been with them ever since. 

My wife, my sister and I all in the same day today- XXXX XXXX got phone calls from different numbers with the same message reporting as a woman named XXXX , saying theres a complaint open against me with a case number XXXX. 

I called the number back and spoke with a woman at XXXX extension XXXX and she told me that I can pay {$700.00} in overdraft fees from Wachovia now to avoid legal action which will result in me paying over {$3600.00}.

I find this hard to believe that if this were true I would be all of a sudden contacted XXXX  years later. But I would have paid the amount anyways and not let it get this bad.plus Ive had countless in depth credit reports done for me in the past and if this were true this would have shown up.yet it didnt. 


When I asked the woman for proof of the charges she said that it was mailed to me XXXX  months ago- yet I did not receive anything in the mail. I asked for it to be emailed to me and they said that I would have to pay a notary {$10.00} per document to get it. Which I find odd bc if Im being charged anything I should be given some proof of that.

Anyways she was a little upset I did not pay right away and said good luck.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXX SC XXXX Subject : Cease and Desist Notification Regarding Debt Collection Activities To Whom It May Concern : This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, that I request you immediately cease and desist all communication with me concerning the alleged debt you claim I owe. This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Be advised that : I dispute the validity of the debt in question : I am not acknowledging the validity or ownership of the alleged debt claimed by your organization. Please provide any and all documentation proving the validity and ownership of this debt should you intend to take further legal steps. 

Stop contacting me at my place of residence or through any means : I revoke any prior consent that may have been given regarding communication.

Legal Action Warning : If you fail to comply with this request and continue to contact me, I will report your actions to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I will also explore my right to pursue legal remedies, including claims for damages and legal fees, as outlined under the FDCPA. 

This cease-and-desist notice does not constitute an admission of liability for any debt and should not be construed as such. Furthermore, any future communication related to this matter must be submitted in writing to the address provided above. 

Please note that your failure to comply with this request will result in formal complaints being filed against your company with the appropriate regulatory agencies. I expect written confirmation of your compliance with this cease-and-desist request within 10 business days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
I have received late payment on my account and I was never late. I am attaching the screenshots of my payments to show that I was never late. Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
I have received late payment on my account and I was never late. I am attaching the screenshots of my payments to show that I was never late. Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate.

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 2024-12-19 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX : Account number : XXXX and XXXX XXXX : Account number : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As usual, I had an incredibly horrible experience with TransUnion 's absolutely awful offshore support chat team. They are horribly trained, have horrible managers, and seem to not understand the language. I understand that TransUnion continues to come back with " Thank you for this feedback '', but they do nothing about this. They clearly do not care about clients. Latest chat is ID XXXX, with the manager XXXX, who took forever to respond to basic issues, did not understand anything, then continued to defend his rep, XXXX, and would not provide a complaint number. XXXX, who is clearly not managed well, was asked 4 times to repeat what I asked, could not, and refused to transfer me to a manager until I mentioned the CFPB. I'm sorry but, TransUnion, this goes beyond incompetence. You don't care about improving your customer support and this is all corporate greed. 

Regarding my question, I generally asked if TransUnion can confirm if they received a report from a bank within their XXXX reporting timeline. As an example, my bank, XXXX XXXX XXXX, stated that they sent a report but it has not reflected yet. It was reported less than XXXX days ago. I am simply looking to confirm that you received it, nothing more. If you can't confirm, I'd like to know why as your company should be well aware of what has been received.

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