vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-20 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-20 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: TX

Complaint narrative:
These entries are inaccurate and violate the Fair Credit Reporting Act ( FCRA ), specifically [ 15 USC 1681e ] ( b ). It is your legal obligation to ensure the accuracy of the information you report.

Additionally, under [ 15 USC 1681b ] ( a ) ( 2 ), you have disclosed my private and confidential information without my consent, infringing upon my rights as outlined in [ 15 USC 1681 ] ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: IL

Complaint narrative:
Subject : Complaint Against Upgrade Inc. for Violations of Fair Credit Reporting Act ( FCRA ) and IRS Regulations Regarding Debt Reporting and 1099-C Issuance To Whom It May Concern : I am submitting this formal complaint against Upgrade Inc. for failing to comply with applicable federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and IRS regulations regarding debt cancellation reporting.

Complaint Details : 1. Failure to Provide IRS 1099-C Documentation : The account in question, reported as a charge-off, has been written off, as reflected in the credit reports. If the debt was canceled, Upgrade Inc. is required to issue a 1099-C to me and the IRS as mandated by the IRS regulations . 
To date, no such documentation has been provided. 
2. Potential Double Reporting and Collection Violations : Despite the charge-off, Upgrade Inc. continues to report this account to credit bureaus as owed and delinquent. If a 1099-C has already been issued, continuing to collect or report on this debt constitutes double-dipping, a clear violation of IRS regulations and FCRA provisions requiring accuracy in reporting.

3. Failure to Validate Debt Upon Request : Attempts to obtain full validation of the debt, including proof of ownership, payment history, and any transfer or sale of the debt, have gone unanswered or insufficiently addressed by Upgrade Inc . 

Requested Resolution : 1. Provide a complete response regarding whether a 1099-C has been issued for this debt and a copy of the filing if it exists.

2. If a 1099-C has been filed, immediately cease all collection and reporting activities related to this account.

3. If the debt has been sold, provide proof of the sale, and verify that Upgrade Inc. is not continuing to claim the same debt.

4. Remove all inaccurate reporting from credit bureaus and confirm compliance in writing. 

Failure to address these concerns promptly will result in escalation to state and federal authorities. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-20 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This letter is being sent in response to a consumer report recently obtained by the Claimant from XXXX, XXXX, and XXXX. Please be advised that RESURGENT/LVNV FUNDING LLC is reporting damaging information, which has caused undue distress.

It is my contention that RESURGENT/LVNV FUNDING LLC lacks standing to report such information or to attempt collection on the alleged debt. Accordingly, be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

ACCT 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 explanation
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX {$22000.00} XXXX XXXX  XXXX {$25000.00}

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: RAYMOND JAMES BANK
State: CA

Complaint narrative:
My lender ( Raymond James Bank ) & the servicer of my ARM loan ( Dovenmuehle ) advised me via telephone today ( XX/XX/XXXX ) that they can not discuss with me ( the borrower/consumer ) anything regarding my interest rate/index on my ARM loan which was transferred to them in XXXX. They have not been calculating my interest rate correctly ( the published indexes via XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Term ) & going back further than the 45-day lookback period ever since XX/XX/XXXX when they transitioned from XXXX to XXXX XXXX XXXX ( 6-month ), et al. 

Additionally, the index provided by XXXX XXXX ( whom Raymond James Bank chose as their index provider ) has been going up, even after the Federal Reserve cut rates by a quarter point ( XXXX basis points ) on XX/XX/XXXX. Instead of going down even a little bit, the index has risen. I check the published indexes every single day at XXXX XXXX when they are published on the XXXX XXXX website.

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 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below 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 XXXXThese credit accounts and collections are the results of identity theft and fraud.

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 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
needed {$1000.00} for rent by next day or get evicted. was going try to pay in full before XXXX payment is due on XX/XX/year>, this seems unlikely. 
Thought they first mentioned an rate of XXXX percent but the rate in the papers they emailed is the XXXX percent. 
As we needed the cash ASAP, we agreed to the {$1300.00} finance charge to be paid over XXXX months at the rate of {$460.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I mailed a letter to Experian regarding a request to investigate things I deemed to be inaccurate and incomplete on my credit report Experian responded back with a stall letter on XX/XX/year> stating that its not me its a third party whom sent the letter I mailed the letter from my home Im not sure why they think Im a third party as Im trying to fix my own credit and get these inaccuracies removed to purchase a house and car.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Complaint Against XXXX XXXXXXXX XXXX for Violations of Fair Credit Reporting Act ( FCRA ) and IRS Regulations Regarding Debt Reporting and 1099-C Issuance To Whom It May Concern : I am submitting this formal complaint against XXXX XXXX XXXX for failing to comply with applicable federal laws, including the Fair Credit Reporting Act ( FCRA ) and IRS regulations related to debt cancellation reporting. 

Complaint Details : 1. Failure to Provide IRS 1099-C Documentation : The account in question, reported as a charge-off, indicates the debt was canceled or written off. If this debt was canceled, XXXX XXXXXXXX XXXX  is required to issue a 1099-C to me and the IRS. 
To date, no documentation or evidence of this filing has been provided. 
XXXX. Potential Double-Dipping and XXXX XXXX : XXXX XXXXXXXX XXXX  is reporting the charged-off debt on credit reports while possibly taking a tax deduction for the same canceled amount. If a 1099-C was issued, this activity constitutes fraudulent double-dipping. 
Continued reporting of a charged-off debt, especially after debt cancellation, is misleading and harmful under FCRA. 
XXXX. Failure to Validate Debt Upon Request : XXXX XXXXXXXX XXXX has failed to provide adequate validation of the debt. This includes a failure to disclose the sale or transfer of the debt if applicable, which violates federal laws. 

Requested Resolution : 1. Confirm whether a 1099-C was issued for the cancellation of this debt and provide documentation.

2. Immediately remove the debt from credit reports if a 1099-C was issued, as it has been canceled.

3. Cease all collection or reporting activities unless validation is provided.

4. Provide all documentation related to the ownership, transfer, or sale of the debt.

Failure to respond appropriately will result in complaints being escalated to state and federal authorities, including the Attorney General and the CFPB. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
Subject : Complaint Against XXXX XXXXXXXX XXXX for Violations of Fair Credit Reporting Act ( FCRA ) and IRS Regulations Regarding Debt Reporting and 1099-C Issuance To Whom It May Concern : I am submitting this formal complaint against XXXX XXXXXXXX XXXX for failing to comply with applicable federal laws, including the Fair Credit Reporting Act ( FCRA ) and IRS regulations related to debt cancellation reporting. 

Complaint Details : 1. Failure to Provide IRS 1099-C Documentation : The account in question, reported as a charge-off, indicates the debt was canceled or written off. If this debt was canceled, XXXX XXXX XXXX is required to issue a 1099-C to me and the IRS. 
To date, no documentation or evidence of this filing has been provided. 
XXXX. Potential Double-Dipping and Tax Fraud : XXXX XXXXXXXX XXXXXXXX is reporting the charged-off debt on credit reports while possibly taking a tax deduction for the same canceled amount. If a 1099-C was issued, this activity constitutes fraudulent double-dipping. 
Continued reporting of a charged-off debt, especially after debt cancellation, is misleading and harmful under FCRA. 
XXXX. Failure to Validate Debt Upon Request : XXXX XXXXXXXX XXXX has failed to provide adequate validation of the debt. This includes a failure to disclose the sale or transfer of the debt if applicable, which violates federal laws. 

Requested Resolution : 1. Confirm whether a 1099-C was issued for the cancellation of this debt and provide documentation. 2. Immediately remove the debt from credit reports if a 1099-C was issued, as it has been canceled.

3. Cease all collection or reporting activities unless validation is provided.

4. Provide all documentation related to the ownership, transfer, or sale of the debt. 

Failure to respond appropriately will result in complaints being escalated to state and federal authorities, including the Attorney General and the CFPB. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have in the past two years be engaged in my credit repair however i have had several inquiries on my credit without my authorization. 
I could not while paying to repair my credit in the same vein continue to create more problem to the same report. 
I want the following inquiries on my credit removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief