vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX, XXXX  opened XXXX account number XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX account XXXX XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX  collection opened XX/XX/XXXX account XXXX ) XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX these accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, 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 # ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist placed a hold on my mobile deposits, despite me having used mobile deposits for XXXX years, before a vacation where I needed the funds. They gave a plethora of excuses, none of which applied, and refused to resolve the issue ; my money will not be fully available for XXXX days.

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 2024-11-29 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: NY

Complaint narrative:
Subject : Dispute of Accounts Request for Investigation and Removal Dear Equifax, I am disputing the reporting of the following accounts on my credit report as they are either inaccurate, unverifiable, or improperly validated : Accounts in Dispute 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  Per 15 U.S. Code 1635, I am entitled to dispute credit obligations that are inaccurate. Additionally, under 15 U.S. Code 1692g, creditors must validate debts upon dispute. These accounts have not been properly validated, and I request their removal from my credit report. 

Please initiate an investigation into these accounts and remove them if they are not verifiable. 

Supporting Documents I am including the following documents to assist your investigation : A copy of my identification Proof of current address Please comply with the Fair Credit Reporting Act ( FCRA ) and respond to my dispute within 30 days. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I deposited a check on XX/XX/XXXX through the mobile app. On XX/XX/XXXX Ally locked my account completely. I called and was told the check bounced. They told me they would need to do an investigation. I called back on Wednesday XX/XX/XXXX and Friday XX/XX/XXXX for an update but Ally was not able to provide any update. My paycheck direct deposit was posted on Wednesday XX/XX/XXXX, which would cover any negative balance caused by this deposit being returned. I still do not have access to my own money. I can not pay my rent which is on Sunday XXXX, and will incur late fees from this, or any other bills, or have any money for regular day to day expenses. Ally isn't able or willing to give me any indication as to when or if this will be fixed at all. This is an unreasonable and very troubling amount of time to lock someone out of their own 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 non-monetary relief
Consumer complaint received 2024-11-29 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXXertfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: KY

Complaint narrative:
am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, I opened a new account on XXXXXXXX XXXX ( XXXX ) using my e-mail address of XXXX. On the same day, XX/XX/year>, XXXX offered me a free 30-day trial period of its XXXX XXXX membership, which I accepted using my PayPal account as the designed payment method. However, as soon as I accepted the free trial, XXXX immediately charged me {$69.00} for the membership, despite of its written confirmation of my eligibility of a free trial period. By taking this unauthorized payment from my PayPal account, XXXX has committed an illegal and fraudulent act against my PayPal account. I immediately raised this issue with PayPal and filed a dispute under the case number # XXXX XXXX I also provided all relevant evidence to support my case. Unfortunately, PayPal has denied my case. I am requesting PayPal to reverse its decision and return this unauthorized and fraudulent payment to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX is in violation of several FRCA laws and IRS rules and regulations To provide a reference supporting your claim regarding the IRS classification of a charge-off as income, the key reference is IRS Publication 4681 : Cancelled Debts, Foreclosures, Repossessions, and Abandonments. According to the IRS guidelines, when a debt is cancelled or forgiven, it may be considered taxable income under Internal Revenue Code ( IRC ) 61, which addresses gross income. 

Here is a clearer explanation based on IRS guidelines and reporting requirements : 1. Charge-Offs as Income : When a debt is charged off, the creditor no longer expects to collect it, and it may be forgiven. The IRS considers the amount of the forgiven debt as income to the debtor. This is reflected in IRS Form 1099-C, Cancellation of Debt, which reports the amount of cancelled debt as income.

2. Income and Credit Reporting : The Fair Credit Reporting Act ( FCRA ) and other consumer protection laws govern what information is reportable on consumer credit files. While the IRS classifies discharged debt as income, it should not be reported as an active liability or as an amount owed on your credit report. If the account is reported as an active debt after it is discharged, this would be an inaccuracy, as you are no longer legally obligated to repay it.

3. IRS Website & Publication 4681 : According to the IRS, when a debt is forgiven ( including charge-offs ), the creditor is required to report it as income, which is subject to tax. Reporting the cancelled debt on a credit report as a debt owed would conflict with this classification and the consumer 's obligation under the tax code. 



Under the IRS guidelines, when a debt is discharged or forgiven, such as in the case of a charge-off, the amount is considered taxable income ( IRS Publication 4681 ). The IRS requires that the forgiven debt be reported as gross income, and the debtor may receive a 1099-C form reporting the amount as income. Therefore, it is inaccurate for XXXX XXXX XXXX XXXX to continue reporting this debt on my credit file as an outstanding liability, as it no longer constitutes an obligation on my part, and is now considered a certificate of indebtedness under IRS regulations. 


XXXX XXXX XXXX XXXX Account Number : # 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 2024-11-29 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: NJ

Complaint narrative:
XXXX XXXX SOCIAL SECURITY # XXXX Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt. 

Unauthorized Inquiries : Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Removal date XX/XX/XXXX Inquiry Name XXXX XXXXXXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XXXX XXXX Inquiry Name XXXX XXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXXXXXX XXXX Removal date XX/XX/XXXX Inquiry Name XXXX XXXXXXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX  Removal date XX/XX/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 2024-11-29 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # : XXXX DOB : XX/XX/year> Dear Credit Reporting Agency & Creditors : I am disputing inaccurate information listed in my credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX 

I recently went thru a divorce and I no longer have responsibility for the debt or credit accounts listed in my credit report as deemed by the court and divorce settlement agreement attached to this letter. 

Also I can certify that the credit accounts listed in my credit records are fraudulent and were opened by my ex spouse without my authorization during our separation, this claim has been confirmed by a police report to the XXXX XXXX Police Department that later resulted in the arrest of my ex spouse due to her confirmed actions of identity theft in my name. 

With such information said under the FCRA I kindly ask that you remove the following information from my credit report as such items are no longer my responsibility due to the divorce judgment and are fraudulent by nature due to identity theft, if the listed credit reporting agencys refuse to comply and correct the records this may result in legal action as your agency will be in violation of the The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) that protects consumers against the misuse and misreporting of credit information. 


Affected Credit Accounts : Truist Bank XXXX - {$7600.00} Truist Bank XXXX {$14000.00} XXXX XXXX XXXX XXXX - {$16000.00} XXXXXXXX XXXX XXXX XXXX  {$3400.00} XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX {$20.00} XXXXXXXX XXXX XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX {$370.00} Please kindly remove the listed accounts to prevent any legal action as previous lawsuits have been filed in the past. 

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 2024-11-30 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: IL

Complaint narrative:
I am writing to formally dispute inaccuracies and incomplete information reported on my credit report. After obtaining a copy of my credit report, I have identified several errors that constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : 15 USC 1681e ( b ) : The credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. The inaccuracies I have identified clearly indicate a failure to comply with this standard.

15 USC 1681s-2 ( a ) and ( b ) : These provisions outline the responsibilities of furnishers of information to provide accurate and complete information and to conduct investigations into disputed accounts.

15 USC 1681i ( a ) ( 1 ) : Consumer reporting agencies must reinvestigate disputed information within a reasonable period, yet these errors remain unresolved.

The items I am disputing are as follows : Late Payments 30+ Days : of late payments that are either inaccurate or incomplete.

Late Payments 60+ Days : o
f late payments that are either inaccurate or incomplete.

Additionally, Derogatory Public Records I demand the removal of any accounts that contain incomplete, inaccurate, or unverifiable information from my credit report.

Failure to comply with these provisions carries serious consequences under 15 USC 1681n, which provides for civil liability for willful noncompliance, and 15 USC 1681o, which addresses negligence in failing to comply.

I demand that these inaccuracies and derogatory entries be investigated and deleted from my credit report immediately. Additionally, I request a copy of my updated credit report reflecting these changes.

Please consider this letter my formal dispute. I expect you to resolve this matter promptly and in compliance with federal law. If these inaccuracies are not corrected, I am prepared to pursue all remedies available to me under the FCRA, including legal action.

For your convenience, I have attached a copy of my credit report with the disputed accounts and items highlighted. I have also enclosed a copy of my government-issued ID and proof of address to expedite your investigation.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates regarding the investigation timeline. 

Sincerely, 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 2024-11-29 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/year> I applied for an Apple Credit card. They denied the credit application based on information received by a 3rd party. I called ( same day ) and spoke with an Apple account specialist manager named XXXX whom refused to give me her last name and employee ID number. She said she would escalate the complaint to a higher up. I hadnt heard anything back so I called again on XX/XX/year> and spoke with another Apple Card specialist supervisor named XXXX whom was rude and also said that he would escalate the complaint. XXXX also attempted to intimidate by way of telling me that I was wrong and that things wouldnt go well for me and hung up on me. They have taken adverse action against me by denying my consumer credit application. Nowhere in the Fair Credit reporting act does it mention Adverse action. The action they have taken is unlawful and is in direct opposition with TILA and the laws outlined under United States Code title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I am urgently filing a complaint regarding fraudulent accounts and inquiries on my credit report caused by identity theft, which have severely impacted my financial well-being. The accounts in question, including but not limited to XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and others, were opened without my authorization, and several associated addresses, such as XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX are not linked to me and must be removed. These accounts contain inconsistent information across XXXX, XXXX, and TransUnion, violating 15 U.S.C. 1681e ( b ), which mandates accuracy in reporting. Creditors have also failed to notify me within the required 5-day period under 15 U.S.C. 1692g and have not validated the debts despite repeated requests, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ). Under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of this fraudulent information. Despite submitting supporting documentation, including a police report, proof of identity, and certified dispute letters, no corrective action has been taken. I demand the immediate removal of these fraudulent accounts and inquiries, as their continued presence violates federal law and has caused significant harm. Failure to act promptly will leave me no choice but to pursue legal remedies.

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