vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aqua Finance, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX **Date : ** XX/XX/year> XXXXAqua Finance, Inc.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXX XXXX Request for 1099-C for Cancelled Debt Account Number XXXX Dear Aqua Finance Dispute Department, I am writing to dispute the charge-off reported on my account with account number XXXX. In addition, I am requesting clarification regarding the status of this debt. If the debt has been cancelled, forgiven, or discharged, I kindly request that you provide me with a **1099-C ( Cancellation of Debt ) ** form, as required by the Internal Revenue Service ( IRS ) for debts of {$600.00} or more.

To help me reconcile my financial records and meet tax obligations, please provide the following : 1. **Confirmation** of whether the debt has been forgiven, cancelled, or otherwise discharged.

2. **A copy of the 1099-C form**, if applicable, along with the cancellation amount, cancellation date, and any other relevant information reported to the IRS.

3. If the debt has not been forgiven, **detailed documentation** regarding the current status of the account, including any updates reported to credit bureaus.

Please respond to this letter within **30 days** of receipt, as I want to ensure that I handle this matter promptly and in compliance with tax requirements. If you need further information from me to assist with this inquiry, feel free to contact me using the details provided above.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Over the past four months, I have received more than 50 voicemails from Bank of America regarding a past-due account. Despite this excessive contact, I have already made multiple attempts to address my financial hardship with them. I sent a secure message on XX/XX/year>, requesting information about their hardship program and asked for all further communication regarding my account to be sent in writing. 

The excessive calls have caused significant stress and inconvenience, especially as I prefer not to discuss financial matters over the phone. Furthermore, I have not received a meaningful response to my written request. Bank of Americas actions appear to disregard my preference for written communication and may constitute harassment or unfair debt collection practices under the Fair Debt Collection Practices Act ( FDCPA ).

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 2024-12-01 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: MI

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer 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, the XXXX 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 the following accounts : 1. A credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A personal loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A personal loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question, as well as 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 hard inquiries as reported. These items 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 also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Let me know if any further adjustments are needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: MI

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer 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, the XXXX 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 the following accounts : 1. A credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A personal loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A personal loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question, as well as 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 hard inquiries as reported. These items 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 also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Let me know if any further adjustments are needed.

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 2024-12-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Request for Removal of Late Payment Due to Hardship Dear Sir/Madam, XXXX am writing to request the removal of a late payment from my credit report. The late payment in question is from XX/XX/year>, reported by XXXX XXXX  through the XXXX XXXXXXXX XXXX XXXX 
Due to an unexpected job loss, I was unable to make the payment on time. This was a temporary situation, and I have since secured new employment. I assure you that this will not happen again. In the event of any future financial difficulties, I have arranged for a family member with saved money to assist with my payments until l can reimburse them. Given the circumstances, I kindly request that this late payment be forgiven and removed from my credit report. Please consider my request and update my credit report accordingly. Thank you for your understanding and assistance. I look forward to your prompt response and resolution of 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 2024-12-01 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-01 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  Number : XXXX DOB : XX/XX/XXXX XXXX Date : XX/XX/XXXX Pentagon Federal Credit Union XXXX XXXX ) XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX : Dispute of Unauthorized Hard Inquiries on Credit Report. 
Dear PENFED Customer Service, I am writing to formally dispute some hard inquiries that were placed on my credit report by PENFED on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; This inquiries were related to a pre-approval application for a credit card and a car loan. Since I was only seeking pre approval, I did not expect or authorize any hard inquiries to be conducted on my credit report, as this type of action is typically not required for preliminary evaluations.These hard inquiries are currently affecting my credit score, which I believe is unfair given the circumstances and can affect me for future credit application. I request that PENFED immediately remove these hard inquiries from my credit report as they were neither authorized by me in the context of a simple pre-approval nor were they necessary. 
Also I dont know if you are aware but in the pre- approval application page It clearly says that it will only be a soft pull and WILL NOT affect my score ( see document attached of the application page ) Please confirm in writing when this hard inquiry have been removed. If you require any additional information from me, feel free to contact me at cell phone number XXXX or email me at XXXX Thank you for your prompt attention to 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 2024-12-01 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:
Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX My actual and current address is : [ Your Correct Address, e.g., XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 
I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me.

Correction or Removal : Remove all inaccurate addresses from my credit report. 
Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MD

Complaint narrative:
Checking my credit score and noticed it had gone down. I found that the collection company Zion Debt Holding, LLC, XXXX XXXX UT, XXXX had purchased the said debt from XXXX XXXX XXXX amount of {$660.00}. 

I emailed XXXX and received a response from representative XXXX XXXX. I informed her that the debt was not my responsibility and explained the invoice was for XXXX XXXX, a Thai restaurant in XXXX  DC. I worked there about 6 years ago and that restaurant closed about two years ago. I was a contact person on the account, not responsible for billing accounts. I gave them the name of the restaurant owner and his address in XXXX. Zion refused to remove the debt which directly lowers my credit score. 

This information took place place the last week of XX/XX/year> XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Request for Removal of Late Payment Due to Hardship Dear Sir/Madam, I am writing to request the removal of a late payment from my credit report. The late payment in question is from XX/XX/year>, reported by XXXX XXXX  through the XXXX XXXX  credit builder. Due to an unexpected job loss, I was unable to make the payment on time. This was a temporary situation, and I have since secured new employment. I assure you that this will not happen again. In the event of any future financial difficulties, I have arranged for a family member with saved money to assist with my payments until I can reimburse them. Given the circumstances, I kindly request that this late payment be forgiven and removed from my credit report. Please consider my request and update my credit report accordingly. Thank you for your understanding and assistance. I look forward to your prompt response and resolution of 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 explanation
Consumer complaint received 2024-12-01 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: GA

Complaint narrative:
In XX/XX/year>, I submitted an identity theft affidavit to the FTC, declaring that I am a victim of identity theft and that my information was used to open the following accounts : - XXXX XXXX  : {$3100.00} - XXXX XXXX  : {$7100.00} - XXXX XXXX XXXX {$23000.00} - XXXX XXXX XXXX {$5400.00} In XX/XX/year>, I also sent a self-attestation letter from an XXXX confirming my status as a victim of human trafficking. However, the accounts were still verified. Subsequently, I requested detailed information about the verification process for these accounts, including : 1. The names of the specific representatives or individuals involved in the verification process.

2. The dates of these communications.

3. The rationale and evidence that led to the conclusion that these accounts belong to me. 

Despite my requests, I never received a response regarding the verification information, and the account was never blocked, despite my experiences with human trafficking and identity theft.

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 2024-12-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-01 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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