vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Removal of Inaccurate Late Payment/Charge Offs on my Credit Report To Whom It May Concern, Upon reviewing my credit report with [ XXXX, Equifax, or XXXX ], I identified multiple inaccurately reported late payments/charge offs for the following accounts : XXXX XXXX XXXX XXXX  XXXX Your actions are in direct violation of 15 USC 1681b and 15 USC 1681, which explicitly dictate that consumer information can only be furnished with direct consumer consent and that certain transaction information should not be included in consumer reports. Specifically : Transaction data solely between myself and your reporting agency should be excluded unless specifically authorized. 
Approval or denials related to credit extensions, and certain third-party communications, are also not permissible for consumer reports. 
Additionally, when a debt is charged off, it is considered canceled debt, allowing the creditor to write it off as a loss for tax purposes. You should provide me with a Form 1099-C reporting the amount of this canceled debt, which I must include as income on my tax return. Also, income can not be reported as debt ; income refers to money earned, while debt represents money owed. However, canceled debt can result in taxable income, which I must report when filing my taxes.

Furthermore, under 15 USC 1681i, consumers have the right to dispute inaccurate information on their credit report, requiring credit reporting agencies to conduct a reasonable investigation. I have not received any 1099-C from either company, but you are reporting a charge-off on my report for multiple months which is also inaccurate information, and the role of the reporting agency is accuracy. 
This report violates the permissible purpose requirement under FCRA. I expect these erroneous late payments/charge offs to be removed immediately to prevent further legal escalation. Failure to comply will result in additional action based on 15 USC 1681n pertaining to the civil liability of credit reporting agencies and users of consumer reports for noncompliance with the Fair Credit Reporting Act ( FCRA ) Thank you for your prompt attention to this matter. I expect written confirmation of these removals within 30 days. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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:
these hard inquiries are fraudulent and doesnt belong to me and need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any information related to identity theft. 
Accounts to be Deleted : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any information related to identity theft. 
Accounts to be Deleted : 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 XXXXXX/XX/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 2024-11-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: CO

Complaint narrative:
These are following companies that took money and put hard pull on my credit. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX hard pull never recive any services from the following companies. 

Also it has been 13 years of XXXX  arzonia placing a lean on my name preventing my moving foward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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 writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any information related to identity theft. 
Accounts to be Deleted : XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6900.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$190.00} Inquiries to be Deleted : XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/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 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I was robbed for my tote bag which had my phone, my laptop wallet, keys license and other valuable items in it. All of my bank accounts were emptied. My navy federal account was emptied with the following amounts XXXX : XXXX in atm withdrawals XXXXXXXX XXXX ACH transfer in XXXX XXXX : XXXX transfer in XXXXXXXX XXXX XXXXXXXX : ACH transfer in XXXX XXXX  Navy federal was negligent in not submitting all of these transactions on the same claim. They only filed for the atm transactions which I was awarded a refund from navy federal. I waited for months for the other transactions to be returned and they were never filed. I called and they filed them separately and I received a warning my account would be closed if I kept submitting fraud requests when all of these were from the same situation. I did everything navy federal asked including opening a new account to which they said theyd close the old account and its still open. I got a new phone, several police reports were submitted, I ran anti virus protection on my phone. Everything they asked me to do. I had never filed a dispute for anything prior to this event happening. I submitted my claims and they denied them within 20 minutes letting me know they didnt do an investigation. I submitted multiple appeals that have gone unresolved for months. I practically begged them for my money back and nothing has been returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: PINNACLE RECOVERY, INC.
State: NC

Complaint narrative:
This is a time share problem. XXXX XXXX was to call me back to make payment for the maintenance fees. They were to waive late charges and any other collection fees in return for me to pay only the maintence fees. 

I am XXXX XXXX XXXX on a fixed income. This time share was high pressure sales.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to file a complaint regarding a debt collection attempt for rent that I never signed for or agreed to. The debt collector, XXXX, has been contacting me about this alleged debt. 

I have never signed any lease agreement or contract for the rent in question, and I believe this debt collection attempt is incorrect. I have attached all relevant communication records and documentation that support my claim. 

I kindly request that the CFPB investigate this matter and provide me with protection from further collection efforts for this invalid debt. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX PNC BANK I WAS OVERDRAFTED DOUBLE TIME WITH XXXX  LATE FEES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: GA

Complaint narrative:
I am writing to formally address the inaccurate information you have reported to consumer reporting agencies regarding my account, reported on XX/XX/year>. This erroneous reporting has caused significant harm to my character, reputation, and overall quality of life, severely affecting my ability to obtain credit for personal and housing purposes. Your inaccurate reporting has directly impacted my livelihood. 

Under 15 U.S.C. 1681s-2, as a furnisher of information to consumer reporting agencies, you have a legal duty to provide accurate information. Specifically, ( a ) ( 1 ) ( A ) prohibits you from furnishing information if you know or have reasonable cause to believe that it is inaccurate. 

Moreover, the IRS clearly defines a charge-off or canceled debt as income, which does not belong on a consumer report. Reporting this account inaccurately misrepresents my financial status and is, therefore, misleading. 

You are hereby put on notice that you are furnishing incorrect information. If the amount of canceled debt exceeds {$600.00}, as per IRS regulations, you are required to file Form 1099-C and provide me with a copy. Please send my Form 1099-C to the address listed below.

In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), you must cease reporting this inaccurate information immediately. I have formally notified you of these inaccuracies, and your continued reporting is a clear violation of your responsibilities as a furnisher of information. 

This is your final opportunity to rectify this matter. I demand that you delete this erroneous account from my consumer reports. You have 10 calendar days to comply with this request. 

Thank you for your immediate attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report, please remove these accounts from my report, they 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 explanation
Consumer complaint received 2024-11-03 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 have no supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therfore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX BALANCE {$2700.00}. Please remove these inquiries. consumer XXXX XXXX XXXXXX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX was offering a {$320.00} sign up bonus offer in conjunction with Sofi Banking ; terms were as follows : - Sofi to pay out {$350.00} via XXXX after signing up for an account and depositing {$5000.00} - Sofi to pay out {$300.00} directly after signing up for the same account and depositing {$5000.00} The offer 's terms and conditions explicitly called out new users being eligible for both sign up bonuses. 

I had taken all required steps outlined in XXXX XXXX XXXX XXXXs ; however, XXXX is claiming that due to a " platform error '' on their end, they are unable to uphold the requirements of the offer. 

I have reached out to XXXX numerous times, without getting response or resolution. 
XXXX support ticket numbers : XXXX, opened XX/XX/year> XXXX, opened XX/XX/year> XXXX, opened on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: KY

Complaint narrative:
There are 2 accounts on my credit report from XXXX XXXX. I DO NOT recognize these accounts and have requested these debts be properly verified multiple times. These accounts continue to come back verified with no documentation or proof. Instead the account statuses were changed from Collections to Charged off. I requested the 1099 forms when these accounts were said to be charged off. Never received the form & never received any deletions. Account statuses were then changed to Paid Collection & SOLD to another company.

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 2024-11-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account Name : XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX 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 explanation
Consumer complaint received 2024-11-03 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: FL

Complaint narrative:
these hard inquiries are fraudulent and doesnt belong to me and need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
these hard inquiries are fraudulent and doesnt belong to me and need removed XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXXXXXX - XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXXXX/XX/XXXX- XXXX XX/XX/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 2024-11-03 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of an account and several inquiries from my credit report due to being a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that accounts resulting from identity theft or data breaches be blocked and deleted from my credit history. 
The following account is to be addressed : Unauthorized Account : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$320.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/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 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I filled a dispute with with Citi Bank on XX/XX/year>. Citi bank reports the dispute has been " Resolved '', however, I have tried on three separate occasions to get a copy of the merchant 's response to my dispute and a copy of the dispute I submitted to Citi Bank. Each time I call Citi Banks says they will e-mail me the requested information and they confirm the e-mail address, however, the never send the requested information. Each time I call the Citi Bank agents acknowledge the information from my previous request has not been sent, they go through the same process as the previous agent and say the information will be received in 24 to 48 hours. The Case ID ( assigned by Citi Bank ) for which I'm requesting the information described above is XXXX. In addition to Citi Bank refusing to send the information requested above, it is also not available via my on-line account nor has any information regarding this dispute been received via the mail. The automated voice information regarding this dispute at Citi Bank is incorrect. The information regarding this dispute at Citi Bank via my on-line account has links which when clicked on go to nowhere. As a consumer it sure appears Citi Bank is going out of their way to make things difficult for me 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 explanation
Consumer complaint received 2024-11-03 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: GA

Complaint narrative:
I am writing to formally address the inaccurate information you have reported to consumer reporting agencies regarding my account, reported on XX/XX/2022. This erroneous reporting has caused significant harm to my character, reputation, and overall quality of life, severely affecting my ability to obtain credit for personal and housing purposes. Your inaccurate reporting has directly impacted my livelihood. 

Under 15 U.S.C. 1681s-2, as a furnisher of information to consumer reporting agencies, you have a legal duty to provide accurate information. Specifically, ( a ) ( 1 ) ( A ) prohibits you from furnishing information if you know or have reasonable cause to believe that it is inaccurate.

Moreover, the IRS clearly defines a charge-off or canceled debt as income, which does not belong on a consumer report. Reporting this account inaccurately misrepresents my financial status and is, therefore, misleading.

You are hereby put on notice that you are furnishing incorrect information. If the amount of canceled debt exceeds {$600.00}, as per IRS regulations, you are required to file Form 1099-C and provide me with a copy. Please send my Form 1099-C to the address listed below.

In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), you must cease reporting this inaccurate information immediately. I have formally notified you of these inaccuracies, and your continued reporting is a clear violation of your responsibilities as a furnisher of information.

This is your final opportunity to rectify this matter. I demand that you delete this erroneous account from my consumer reports. You have 10 calendar days to comply with this request.

Thank you for your immediate attention to this issue.

Company response to consumer: Closed with explanation