vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
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 XXXXXXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: PA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-02-05 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: PA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are legally required to conduct a thorough and reasonable investigation when a consumer disputes inaccurate or outdated information. Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers like Midland Credit Management must ensure that any reported information is accurate, complete, and verifiable. If they fail to do so, they are obligated to delete or correct the information. Despite my previous dispute and XXXX removal of this account, XXXX and XXXX continue to report itraising serious concerns about compliance with federal law. This failure to update or remove unverified information is not only unfair but also a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I urge you to promptly assist in removing the fraudulent information from my credit file. This data should have been removed already, as it is a result of fraud, yet it remains. Under FCRA Section 605, you are obligated to delete any incorrect records. I have already submitted the required supporting documentation, which I am providing once more. My attorney has been informed and is ready to take legal action if this issue is not resolved without further delay. 
XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>

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 2025-02-05 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 submitting this follow-up complaint regarding my previous CFPB complaint ( XXXX XXXX. XXXX ) against XXXX XXXX  XXXX which was closed without proper resolution. 

In addition to the credit reporting violations previously documented, I am formally requesting that XXXX XXXX  provide the IRS Form 1099-C for the appropriate tax year in which they charged off my account. 

XXXX. On XX/XX/year>, XXXX XXXX  charged off the account due to nonpayment. On XX/XX/year>, XXXX sold the debt to XXXX XXXX XXXX XXXX XXXX. Despite selling the account, XXXX continued to report inaccurate and misleading credit information, leading to a previous CFPB dispute. In addition to their failure to correct my credit reports, I now require documentation related to the charge-off, specifically the IRS Form 1099-C, which creditors must issue when they forgive or cancel a debt of {$600.00} or more. 

2. Request for IRS Form 1099-C Under IRS regulations ( 26 U.S.C. 6050P ), creditors must issue a Form 1099-C when they cancel or discharge a debt of {$600.00} or more. Since XXXX XXXX charged off my account on XX/XX/year>, and no longer owns the debt, I am requesting that they provide : - A copy of the IRS Form 1099-C for the tax year in which the charge-off occurred.

- A statement confirming whether they reported the charge-off as canceled debt to the IRS. 
- Clarification on whether XXXX XXXX  legally forgave the debt or transferred it entirely to XXXX XXXX XXXX XXXX XXXX. 

XXXX. Failure to Provide Required Tax Documents As of today, I have not received Form XXXX from XXXX XXXX  for the charge-off. 
If XXXX XXXX  claimed the charge-off as a loss on their tax records, I am requesting they issue me the1099-C for the year the account was actually charged off for their tax reporting purposes. Without this documentation, I can not accurately report my financial obligations to the IRS, and XXXX  lack of transparency raises concerns about their compliance with both CFPB and IRS regulations.

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC sold a debt and is attempting to collect money from a debt that is not owed by me and was placed in my name fraudulently. The company that contacted me about this debt is named XXXX XXXX. This attempt to collect was after I requested that LVNV delete the fraudulent account from my credit report. In my initial complaint I also provided documentation to prove that I was a victim of identity fraud. I believe LVNV Funding LLC placed the debt with XXXX XXXX intentionally and maliciously since they can not collect any debts due to fraud. They have violated my rights by selling a debt or having another company attempt to collect a debt on their behalf that has been included in a FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MO

Complaint narrative:
I HAVE BEEN A VICTIM OF FRAUD DUE TO AN DATA BREACH, AND MY INFORMATION BEING EXPOSED ON TRANSUNION CREDIT REPORTING PLATFORM. THERE ARE 18 FRAUDULANT CREDIT LINE INQUIRIES ON MY TRANSUNION CREDIT REPORT. I HAVE TALKED TO SERVERAL AGENTS AT TRANSUNION ABOUT MY CONCERNS, AND WAS TOLD IT WAS NOTHING THEY COULD DO AND THE FRAUDULANT ACCOUNTS WILL STAY ON MY CREDIT FOR 10 YEARS. THESE ARE THE 18 FRAUD ACCOUNTS THAT TRANSUNION ARE REFUSING TO REMOVE IMMEDIATELY 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 XXXXXX/XX/year> THESE ARE FRAUD ACCOUNTS ATTEMPTS MADE ON MY CREDIT REPORT, THAT I DID APPLY FOR AND I AM NOT AWARE OF ANY OF THESE ACCOUNTS.

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 2025-02-05 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: NY

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 2025-02-05 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: 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MO

Complaint narrative:
Experian has failed to fullfill it legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failure to forward consumer provided evidence to furnishes accepting unreliable responses and failure to adequately notify consumers of dispute outcome. These failures align with my experience. Where Experian has neither corrected or removed the account from my report. I am requesting immediate corrective action to remove and amend the disputed account as Experian inaction violates federal laws and my rights as a consumer.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Dear Navient, student aid.gov I hope this letter finds you well. I am writing to formally request consideration for loan forgiveness for my school closure. 

I am requesting this forgiveness based on school closure. I believe that my situation aligns with the criteria outlined for forgiveness under [ mention the specific program or statute, if applicable, such as Public Service Loan Forgiveness, Income-Driven Repayment.

I understand that you may require additional information to process my request and am happy to provide any further documentation as needed. 

Thank you for your time and attention to this matter. I am hopeful for a favorable response and look forward to hearing from you soon. Please feel free to contact me at [ your phone number ] or via email at [ your email address ] should you need any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NM

Complaint narrative:
I did not make the following inquires. It does not look like it resulted in the creation of a line of credit. I request immediate removal of the following inquiries : EXPERIAN : 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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
Rausch Sturm is attempting to collect an alleged debt on behalf of XXXX XXXX but has failed to provide proof that they have the legal right to collect. They continue to engage in harassment, deception, and violations of federal law under the Fair Debt Collection Practices Act ( FDCPA ).

They misrepresented their role. Under 15 USC 1692e ( 3 ), it is illegal for a debt collector to falsely imply that an attorney is involved. Rausch Sturm presents itself as a law firm, but they have not initiated any legal action. If they are not actively litigating, they are simply a debt collector pretending to be attorneyswhich is deceptive and illegal. 

They violated my cease-and-desist request. I previously filed CFPB complaint XXXX, demanding that Rausch Sturm stop contacting me directly. They ignored that request and called me again on XX/XX/year> at XXXXXXXX XXXX  disrupting my work. This is a clear violation of 15 USC 1692c ( c ) the law states that once I ask them to stop calling, they must stop. They didnt. They broke the law. 

They failed to provide proper validation of the debt. Before Rausch Sturm attempted to collect, I disputed this debt with XXXX XXXX XXXXXXXX stated that they would send my request to XXXX XXXX for validation. However, I never received any validation from XXXX before Rausch Sturm started contacting me. 

Now, Rausch Sturm claims they sent an Initial Validation Notice on XX/XX/year>, but my first contact from them was a phone call on XX/XX/year>. Under 15 USC 1692g ( a ), they were required to send written notice within five days of that first contact ( by XX/XX/year> ). 

Since this debt was already in dispute before being placed with Rausch Sturm, I need : A copy of the Initial Validation Notice Rausch Sturm claims to have sent, along with proof of mailing. 
Proof that XXXX properly validated this debt before placing it with Rausch Sturm.

A full chain of assignment showing how and when this debt was transferred. 
If XXXX never validated the debt while it was with XXXX, then Rausch Sturm has no legal right to collect it.

They refuse to disclose how they obtained my personal information. I have asked for proof of how and when my data was transferred, but they refuse to provide an answer. Who else has had access to my private financial information? If they can not prove a legitimate transfer of my data, they are violating federal consumer protection laws.

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 2025-02-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Request for Credit Dispute Resolution Dear Experian, I hope this letter finds you well. I am writing to formally dispute an item on my credit report. I am also disputing the address is outdated and should be removed. Upon reviewing my recent credit report, I noticed that the accounts listed below contain inaccurate or incomplete information that may be negatively impacting my credit score. The details of the disputed item ( XXXX ) are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Discrepancy : I am requesting to dispute any negative items, so as for inaccuracies in payment history, to have them corrected or removed. I kindly request that you investigate this matter, correct any inaccuracies, and provide me with an updated copy of my credit report once the dispute has been resolved. As per the Fair Credit Reporting Act, I understand that you are required to investigate disputes within 30 days. 
Please find attached any supporting documentation that verifies my claims, including. 
I would appreciate your prompt attention to this matter. If you require any additional information or have questions, please dont hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and cooperation. 
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 explanation