vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT! 

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report.

IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a XXXX on XX/XX/2023 which was accepted by the Irs and XXXX mailed to XXXX XXXX XXXX XXXX and was emailed directly to their XXXX & XXXX with a copy of the XXXX, which I have submitted here. 

Please immediately delete the following accounts immediately from my credit report! 


XXXX XXXX XXXX XXXX  FOR {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2023 I went to a car dealership in XXXX, XXXX. to purchase a vehicle, I was unaware that after me being declined with the first bank, That this dealership would continue to shop my credit around to other lenders without my knowledge and after I had long left their place of business .The result of the auto dealer practices have caused a unnecessary burden on my personal finances and my business finances, I walked into the dealership with a XXXX credit score and awoke the XXXX XXXX to a XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I reported this account because of the unfair reporting of this. This medical bill was purposely reported as the original claim amount, not what was the balance after the insurance company processed the claim. Regardless of the bill being paid or not the amount of the bill was XXXX, with the new laws passed by President Joe Biden ( XX/XX/2023 ) all medical bills XXXX and under would be removed from credit reports. The only way it could stay is if the original balance was over 500.00 ( and that is what they did ). With this being said the company LRS should not have access to any information from my insurance or medical information. This violates HIPPA! There for the original amount of the procedure and what my insurance paid should not be provided to anyone. The fact that they intentional reported the wrong original balance to keep this on my report is wrong. This is unfair practice of debt collecting, and its wrong. The bill original amount, after the insurance processed it, was XXXX. I have the explanation of benefits. When a medical office bills an individual it is what you owe after insurance.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom This May Concern, I have submitted multiple complaints to you guys, regarding some fraudulent accounts that are on my report, you guys told me the disputed accounts were removed and they are still showing on my updated report. 
I am a victim of identity theft, and I did not make or authorize these charges, I have included a copy of my police FTC report I am requesting that those charges be removed immediately. 

XXXX XXXXXXXX XXXXXXXX XXXX Date fraud began : XX/XX/2023 Total fraudulent amount : {$4600.00} -- -XXXX XXXX XXXX XXXX XXXX Date fraud beganXXXX Total fraudulent amount : {$1300.00} XXXX XXXX XXXX XXXX, Date fraud began:XXXX Total fraudulent amount : {$1100.00} XXXX XXXX XXXX XXXX Date fraud began : XX/XX/2023 Total fraudulent amount : {$980.00} -- XXXXXXXX XXXX XXXXXXXX, Date fraud began:XXXX Total fraudulent amount : {$4800.00}

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX has attempted to resolve the incorrect and inaccurate information reported on my consumer report and have no success. They are in violation of subchapter of FCRA15 U.S. Code 1692g - Validation of debts they have yet to validate any of these alleged debts, they are in violation of15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

they have yet to provide me with a copy of my written instruction. they are also reporting alleged late payments which is in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has been holding on to funds for an excessively long periods of time. 

I deposited a check XX/XX/XXXX. They said it would not be available until the XXXX. 

Deposit funds from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The funds are STILL on hold today - 7 business days later. They said check back on the XXXX. 

Bank of America did not notify me the funds were on hold until I called asking why I could not transfer money. They asked me silly questions like what bank did it came from, what is their phone number and email. In the deposit information -- it already states deposit from " 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 monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Zelle Corporate Headquarters Subject : Urgent Matter - Fraudulent Activity on Zelle Account Dear Zelle XXXX XXXX, I hope this letter finds you well. I am writing to report a serious issue involving fraudulent activity on my Zelle account, which I believe requires immediate attention and resolution. 

I recently discovered unauthorized transactions that have taken place using my Zelle account credentials. These transactions were not initiated by me, and I suspect that my account might have been compromised or involved in a scam. The unauthorized transactions have caused a significant financial loss to me and have raised concerns about the security of my account. 

I kindly request that your team investigates this matter promptly. It is crucial that the fraudulent transactions are reversed, and the necessary steps are taken to secure my account from further unauthorized access. I understand the importance of cybersecurity and customer protection, and I trust that Zelle takes these matters seriously. 

To assist with your investigation, I have included the following details : 1. My Zelle account username : n/a 2. Date of unauthorized transactions : NONE XXXX. Description of unauthorized transactions : NONE 4. My contact information : Email Address : XXXX Phone : XXXX I would appreciate it if you could keep me updated on the progress of your investigation and the steps being taken to resolve this issue. Additionally, if there are any actions I need to take on my end to enhance the security of my account, please let me know. 

I am confident that Zelle 's customer support will handle this situation promptly and efficiently. I urge you to prioritize this matter due to the financial and emotional distress it has caused. I am hopeful that we can work together to resolve this issue and restore my trust in the security of my Zelle account. 

Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this distressing situation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I received a welcome letter from AMERICAN EXPRESS and had never requested a credit card. I called them and they sent a letter to my attention, acknowledging this. As I have credit monitoring, I then noticed another inquiry for XXXX which again was a fraudulent inquiry. Both inquiries took place on XX/XX/23. I received a letter from both credit card companies since then, locked down my credit, however the two inquiries are still on my six months later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
After reviewing my Clarity consumer report I must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries, housing in
formation, housing status, income, employment, and banking information should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
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 I told Experian, XXXX, and XXXX to reinvestigate these accounts payment history and remaining balance : Account name : Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate and has been verified. But how is that possible if the open date, date of last activity and much more is incorrect. The accounts has been paid in full since XXXX of 2022. Never missed a payment. I requested documentation ( transactions history, balance sheet ) I was never provided with the requested documents. The information is inaccurate and preventing me from obtaining new employment. If documents are not sent to me or information is not corrected. My next dispute will be for montary compensation of my expected salary. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 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. 

3 of my federal rights are being violated by the major bureaus.

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 2023-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Siggi LLC
State: MD

Complaint narrative:
Today, I got a message from my dad that XXXX XXXX, an employee at Omni Financial, was trying to contact me from an Alabama number today, XXXX XX/XX/2023. I call back at XXXX EST and reach her. She said she called my references because I was 23 days past due. I explained not to do that because my father is XXXX and will worry. And also explained that I am going through a hardship but will pay on the XXXX. She states that the company had been directed to call several times and I told her thats against debt collection practices you cant even call 7 times in a 7 day period she starts cussing at me saying all types of curse words at me I yell at her back like what is happening I cant believe this?! She then hangs up on me. I call back to leave a message for her supervisor. This is unacceptable and unsatisfactory for buisness practice to treat members of the military or anyone for that matter hardship or not this way. It is unprofessional it is disgusting and I am not even 30 days past due as of today. Something needs to be done asap.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 I told XXXX, Transunion, and XXXX to reinvestigate these accounts payment history and remaining balance : Account name : Account name : XXXX XXXX XXXXs, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate and has been verified. But how is that possible if the open date, date of last activity and much more is incorrect. The accounts has been paid in full since XXXX of XXXX. Never missed a payment. I requested documentation ( transactions history, balance sheet ) I was never provided with the requested documents. The information is inaccurate and preventing me from obtaining new employment. If documents are not sent to me or information is not corrected. My next dispute will be for montary compensation of my expected salary. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 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. 

XXXX of my federal rights are being violated by the major bureaus.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A XXXX saving credit was opened in my name. However I didnt make any inquirys on it.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A XXXX saving credit was opened in my name. However I didnt make any inquirys on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A XXXX saving credit was opened in my name. However I didnt make any inquirys on it.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and you guys claim it's been validated ; Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

and secondly There is a Collection on my report, you guys claim that is not there and I have verified that it's on my report. 
-- -XXXX XXXX XXXX, Date fraud began XX/XX/2023 Total fraudulent amount : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
TRUIST BANK allowed a person to open a account in my name without my concent 2 deposit s were made under this fraudulent account.1.for {$2100.00} and another for XXXX. Done nothing but ruin my 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 non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Theft and denial of access to account and misrepresentation and felony gaslighting

Company response to consumer: Closed with explanation