vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
Kia Finance Of America has charged off an account on my consumer report. I Have yet to receive my 1009-C. The car has been repossessed, sold and has a title Lien on it with another consumer. Why am i being charged for something re sold and in another contractual agreement. This is fraud and illegal. A violation of my Rights as a consumer. as well as a violation of the United States constitutional laws. As outlined by the Fifth Amendment to the United States Constitution, I have a right to due process, which includes the protection of my property rights. In this case, the erroneous reporting of this charge-off with a balance constitutes a violation of my right to accurate representation of my financial history. I believe that this account does not reflect the true nature of the debt, or the amount that is owed. Due Process under the Fifth Amendment : The Fifth Amendment of the U.S. Constitution guarantees due process, which includes the right to be informed of actions that affect ones rights, including financial obligations. When a creditor cancels a debt, it triggers potential tax consequences that should be disclosed to the consumer. The failure to provide a 1099-C form interferes with my ability to properly comply with federal tax laws, thereby depriving me of the ability to understand and respond to my legal financial obligations. This lack of notification deprives me of a fair process in managing my tax responsibilities. 

Right to Equal Protection under the Fourteenth Amendment : The Fourteenth Amendment guarantees equal protection under the law. By not issuing Form 1099-C for canceled debt, I am being treated unfairly in comparison to others who may receive the necessary information to fulfill their tax obligations. This disparity in treatment may constitute a violation of the equal protection clause, as it subjects me to potential penalties for non-compliance without informing me of the necessary reporting requirements.

Right to Protection from Unlawful Taxation : The Constitution, as interpreted by the courts, protects citizens from unlawful taxation. When a creditor cancels a debt, it is a taxable event under federal tax law. Without the issuance of the 1099-C, I am unable to accurately report this cancellation to the IRS, potentially leading to improper tax assessments. By failing to provide me with this form, I am denied the ability to fully exercise my constitutional right to protection from incorrect or excessive taxation.

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 2024-12-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
I bought a vanilla visa gift card from XXXX and loaded XXXX $ onto the card. This was going to be a XXXX gift for my foster sister. I went ahead and activated the card ahead of time just so there werent any issues in the future. 

The following day I noticed a bunch of failed transactions. Ones specifically for XXXX and XXXX ; which I didnt make. As I was in the process of attempting to contact vanilla I noticed a {$50.00} transaction to prizepicks. 

I have no clue how all of the fraudulent transactions happened but I tried to look for a solution anywhere. I attempted to contact the merchant but was told that there was nothing they could do. So I waited until I was able to file a dispute with Vanilla gift.

On the vanilla gift account it says that I need to call a number and contact support but the vanilla gift card number is only automated. Im not able to talk to anyone about this fraudulent transaction which is completely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

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 : 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Starting in XX/XX/year>, I contacted Experian regarding inaccurate information on my credit report in order to dispute the XXXX XXXX account that is on my credit. I have sent Experian XXXX letters proving that the information is inaccurate and different than what XXXX and XXXX are reporting. All they have done is respond with letters stating that they don't believe I am the person submitting the information. I am now requesting the account to be permanently removed from my credit report as the dates, the date of last payment, balances and account number are all inaccurate and they do not match what XXXX has sent me or what the other credit bureaus are reporting.

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 2024-12-13 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 non-monetary relief
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting the immediate blocking and deletion of the following accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened without my authorization as part of the breach. 
Accounts to be blocked and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting the immediate blocking and deletion of the following accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened without my authorization as part of the breach. 
Accounts to be blocked and 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

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 2024-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NY

Complaint narrative:
I originally took student loans for XXXX school from XXXX to XXXX. ( XXXX XXXX  ) I took loans from XXXX for XXXX  school ( XXXX XXXX XXXX  XXXX These loans are listed as income driven repayment. i consolidated all of these loans into IDR plans in XX/XX/XXXX as directed by a national student debt counselor who informed me that my loan would qualify for forgiveness because I had been in repayment for over 20 years. 
I contacted ED Financial, my loan servicer and inquired as to how to go about requesting loan forgiveness. I was told that I had to consolidate all of the loans into a new IDR plan as noted above, so I did so. Upon approval of this plan, My monthly payment went from $ XXXX to $ XXXX. I was told at that time that it didn't matter because once I qualified for forgiveness at 20 years, I would be refunded all subsequent payments once my loan was forgiven anyway. 
On XX/XX/XXXX, i contacted EDfinancial to inquire about the status of my loan and forgiveness. I was told that according to their records, I did not start paying my loans back until XXXX. This is not true. I believe they were referencing the wrong loans and possibly purposefully not allowing all of the details to emerge so as not to allow due loan forgiveness. I asked them to provide to me a history of my loan payments in balances, and they told me they could not do so. I have tried at length to find this information on the federal student aid website and can not locate it. 
At this time, I am being told that I can not lower my month payments at all either. I can not afford to $ XXXX for another 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
This account was canceled on the following date : ( XXXX, XXXX  ). Since then, the account has been updated as canceled every month. This is an update in the payment history. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You did not investigate this account properly, and your negligence has violated my rights. I demand the deletion of the following account : XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXXXXXX XXXX  XXXX Account # 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 2024-12-13 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete & remove all listed items on my file. Ive been a victim of identity theft none of the accounts on my credit report i am aware of. This does not follow the FCRA rules. Please review an remove all listed accounts to help clear my credit report asap. This is my 2nd attempt to clear this information please delete & remove all listed accounts asap

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 2024-12-13 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: SC

Complaint narrative:
Subject : Request to Block Fraudulent Information on Credit Report Pursuant to FCRA Section 605B and 15 U.S. Code 1681c-2 ( a ) Complainant : XXXX XXXX XXXX Details : I am filing this complaint to request immediate action under Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( a ). As a victim of identity theft stemming from a data breach, I am exercising my rights to have fraudulent information blocked from my credit report. 

Nature of the Issue : Due to the data breach and subsequent identity theft involving my Social Security Number ( SSN ) and other personal information, I have discovered unauthorized accounts and transactions reported on my credit file. These fraudulent items have negatively impacted my creditworthiness, as evidenced by a recent denial of credit from my bank. 

The items I am disputing and requesting to be blocked are : XXXX XXXX XXXX XXXX XXXX  XXXX Supporting Documentation : I have included the following documentation to substantiate my dispute : A copy of my original dispute letter sent to XXXX. 

A copy of my government-issued ID and Social Security card for identity verification. 

A copy of my Federal Trade Commission ( FTC ) Identity Theft Report. 

Legal Basis for the Request : Under FCRA Section 605B, credit reporting agencies are required to block the reporting of any information resulting from identity theft within four ( 4 ) business days of receiving the consumers dispute and supporting documentation. Furthermore, under 15 USC 1681c-2 ( a ), credit reporting agencies must ensure that such information is excluded from the consumers credit report and that creditors or furnishers of the fraudulent accounts are informed of the block. 


If additional information or actions are required on my part to facilitate the resolution of this matter, please notify me immediately. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management has filed a civil lawsuit alleging I owe them XXXX. In the petition filed, the debt collector has stated that I have refused to pay the alleged amount and now seek the lawsuit to recover. 

This is completely false and I attach not only the petition filed by Midland Credit Management but my attempts to resolve and receive the information pertaining to the alleged debt by XXXX. 

Due to my efforts exhausted I ask that CFPB conduct a review of Midland Credit Management action stemming from this alleged debt for violations. 

I believe that I requested throughly information that was not provided, yet this debt collector decided to file a lawsuit stating otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX XXXX is reporting on my Experian Credit report that an account is " Account charged off. {$7100.00} written off. {$7100.00} past due as of XX/XX/year>. '' This is inaccurate because according to the IRS Cancelled debt ( charge off and write offs ), one must report any taxable amount of a canceled debt as ordinary income. 

Since this is income that I need to report to the IRS on my income tax, this shouldn't be reported on my credit report as a collectible debt since XXXX XXXX already took a tax write off for this. Therefore, it's an inaccurate reporting as " charged off and written off '' and it should be removed from my Experian credit 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 non-monetary relief
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-12-13 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: HI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

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 XXXX  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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-13 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:
I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are a result of unauthorized activity and should not be listed on my credit report. 
Accounts : XXXXXXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$420.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX  Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Inquiries : XXXX. XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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 am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are a result of unauthorized activity and should not be listed on my credit report. 
Accounts : XXXX. XXXXXXXX XXXX  Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$420.00} XXXX. XXXX  XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX  Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} Inquiries : XXXX. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX 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 explanation