vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that has neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXXXXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

XXXX XXXX XXXXXXXX XXXX are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to address the lack of response to my previous notice, dated XX/XX/2024, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that has neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXXXXXX XXXX Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXXXXXX XXXX Please remove this inaccurate information from my credit report. 


As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

XXXX XXXX XXXXXXXX XXXX are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXXXXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed my personal information was incorrect. I have multiple variations of my first name and last name and my address. My phone number and job history is not correct. I have attachments that will show you inconsistent information. 
Address XXXX XXXX XXXX XXXX, MI XXXX This address is not valid and should be deleted immediately!

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IA

Complaint narrative:
Called multiple times and told that there is no one to speak to and that the freeze would be taken off in XXXX hours. Been well past that and called again today and they claim they cant give me a timeframe and keep watching my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: PA

Complaint narrative:
Capital One Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX, and Pennsylvania XXXX I am writing to file a formal complaint against Capital One located at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others. 

Capital One has inaccurately reported an account on my credit report as charged-off. However, this account was charged off and subsequently sold to a debt collector. Given that Capital One no longer owns this account and has been compensated for it, the persistence of this trade line and/or data point on my credit report is incorrect and misleading. Furthermore, my successful court victory against the junk debt buyer further substantiates the inaccuracy of the trade line. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/2018, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my credit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Capital One is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Capital One to rectify any inaccuracies found.

Capital One 's refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Capital One to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-22 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: IL

Complaint narrative:
I have no business with XXXX XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions. The original account is past the 7years of reporting according to the state of illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NJ

Complaint narrative:
I have been fighting with Chase Bank about numerous XXXX XXXX and other charges between XXXX XXXX XXXX. I got XXXX different police reports, am pressing charges against the individual for fraud, and they still said the charges were " valid '' even with all of that ... .. That being said, I am done fighting with chase over XXXX week of transactions. I thought about letting the card get sent to collections and then sending them the police reports and having it removed as fraud, but, I actually like this credit card. It was a tough decision, pay XXXX worth of fraud to keep a credit card and not mess up my credit for 6 months getting it worked out with collections. So I go to cash in my reward points, they are missing for the fraudulent transactions. I understand that, with the back and forth, of course eventually they would just suspend the points until the conclusion of my fraud case. Well its been concluded, so I call and get it verified that XXXX points are being held up because of the fraud claim. I can't get transferred to that department, but someone will call me within XXXX hours about the points. To my XXXX, someone actually called me, not so shockingly they said they had no clue what the call was for and would have to " research and call me back. '' No one called me back, so I called chase again, this time it is escalated, no one will be calling, and I should wait for a letter. This entire time I am paying interest on the charges. Come on Chase, I am willing to pay the XXXX fraud charges and you still can't give me the points, or make it this difficult. So disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We were on an auto-pay schedule with Wells Fargo to pay our mortgage. During COVID our mortgage was automatically put in forbearance, we called to have it removed the following day after we had found out and requested our autopay be reinstated. This caused our next payment to be withdrawn after our next bill was due. We have now accrued over {$800.00} in late fees. This had only come to light when I had logged into our online banking to find tax information. Even when looking on the payment website it is not obvious that our payment is past due. We have also not been sent anything in the mail or email regarding our mortgage payment being late in the XXXX years this has been occurring. We contacted the bank and they refused to remove the late fees, we still have not recieved anything saying our payments are late. Our payment comes out automatically on the XXXX of each month which is when the payment is due.

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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
my XXXX  account online doesnt allows me to add a payment method or set up online payments and im directed to pay via wicker and associates. now for three moments ima. row, XXXX XXXX XXXX XXXX  ive tried to call to make payments and shouldnt have had any late payments but now i have not only three months of late payments but also a charged off account. 

this is because every time i contact XXXX  to pay they redirect me to their collections agency zwicked and associates but they continuously say that consumer direct has power of attorney over my file. this is inaccurate and ive told them this for three months as well as contacted consumer direct to ask how this is being said they say they do not have power of attorney and i know well enough to know i havent ever signed my rights over to anyone else. 

just as ive stated fr the entire duration of XXXX  this has been the case. I call and attempt to make a payment followed by them, refusing to take my payment and saying that they can not take my payment and are not authorized to do so because consumer direct has power of attorney over my file. this is all false and i can not make a payment with them even thought they continue to tell the cfpb they will take payment they will not take payment and my account continues to default DUE TO THEIR refusing to accept. payment due to saying i cant pay j own account. 

XXXX XXXX does nor have power of attorney. this is false information and continued lies from these predators at zwicker i canams have been attempting to pay my account for three months with no avail as they continue to tell me they cant take my payments unless consumer direct gets involved. they are replying with false information to my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2024, I contacted Equifax regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801- Protection and nonpublic personal information, to report my transaction information. I did not consent for my transactions to be reported. These are the following companies that I am placing a dispute on : EQUIFAX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK, XXXX XXXX. OF XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ATTORNEY GENERAL-CHILD SUPPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: MO

Complaint narrative:
On XX/XX/XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX XXXX upon me finding unverifiable, Invalidated, Inaccurate, and questionable items that the agency didn't make sure it was reporting 100 % correct. On XX/XX/2017 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " they do not report bankruptcies to anyone. " So if that's the case.How did the credit bureaus verify the bankruptcy as 100 % accurate. they never did a fair investigation to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information consumer '' s character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, his information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

they also violated my rights numerous times.

the credit bureaus violated my given rights under 15 USC 1681.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
On XX/XX/XXXX I made a payment to pay my loan in full. The pay off amount as of that date was {$570.00}. {$570.00} was debited and posted from my bank account on XX/XX/XXXX. The loan pay off has still not posted to my EdFinancial account and the loan is still accruing interest. I emailed and called the company and they said that for the first XXXX  days after a loan is disbursed, payments made are applied as cancelation payments. However, this loan was disbursed on XX/XX/XXXX and paid off on XX/XX/XXXX, which is a longer time period than XXXX  days, so this rule does not apply. The representative on the phone told me it will take XXXX business days for the payment to post on EdFinancial, but the money has already been debited and posted on my bank account and interest is still accruing.

Company response to consumer: Closed with explanation