vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: AR

Complaint narrative:
ACCOUNT : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT DATE : XX/XX/XXXX TO WHOM THIS MAY CONCERN : XXXXXXXX XXXX CHARGED THIS ACCOUNT OFF AS OF XX/XX/XXXX. 
THIS CHARGED OFF ACCOUNT IS NOW CONSIDERED ORDINARY INCOME. THIS IS CANCELLED DEBT SO HOW IS IT REPORTING ON MY CREDIT REPORT AS DEBT.

I ASKED THIS COMPANY TO SEND ME A 1099-C FORM SO I COULD FILE THIS ORDINARY INCOME. THEY REFUSED TO SEND ME THE FORM, THIS IS A VIOLATION OF ( 15 USC 1681EB ). THIS DEBT WAS WROTE OFF ON THEY TAXES TO THE IRS AS PROFIT LOSS. THIS IS NOT ACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. THIS ACCOUNT NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT. 
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 2024-12-29 00:00:00
Product: Credit reporting 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: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
Services not rendered and they charge fees unnecessary and upfront its terrible. In XXXX in XXXX in XXXX and in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: VA

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. 

Account name : XXXX  # XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( equifax ) Account name : XXXX # XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( equifax ) Account name : XXXX XXXX # XXXX ( XXXX XXXX XXXX ( XXXX ) Account name : XXXX # XXXX ( XXXX ) Account name : XXXX XXXX  # XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( equifax ) Account name : XXXX  XXXX # XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( equifax ) Account name : XXXX # XXXX ( XXXX ) Account name : XXXX XXXX XXXX # XXXX ( XXXX ) XXXX ( equifax ) has violated my rights.

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 2024-12-29 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: LA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> Subject : Dispute Regarding Charged-Off Account and Request for 1099-C Form Dear CFPB Dispute Department, I am writing to dispute the reporting of a charged-off account on my credit report under 15 U.S. Code 1681i, which mandates the proper investigation and verification of reported information. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Charged-off account inaccurately reported As you may be aware, a charged-off account is considered taxable income by the IRS, and I am required to report this on my tax return. According to IRS regulations, creditors are required to issue a 1099-C form for cancellation of debt when the amount exceeds {$600.00}. 
To ensure accurate reporting on my end, I kindly request that XXXX XXXX XXXX XXXX issue and send the required 1099-C form to my address listed below.

Additionally, I request that all 3 credit bureaus investigate this account for accuracy. If it can not be fully verified as compliant with all applicable laws, I request its immediate removal from my credit report. 
Please confirm receipt of this letter and provide me with updates regarding the investigation and removal process, as well as confirmation from XXXX XXXX XXXX XXXX regarding the issuance of the 1099-C form. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-12-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> Subject : Dispute Regarding Charged-Off Account and Request for 1099-C Form Dear CFPB Dispute Department, I am writing to dispute the reporting of a charged-off account on my credit report under 15 U.S. Code 1681i, which mandates the proper investigation and verification of reported information. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Charged-off account inaccurately reported As you may be aware, a charged-off account is considered taxable income by the IRS, and I am required to report this on my tax return. According to IRS regulations, creditors are required to issue a 1099-C form for cancellation of debt when the amount exceeds {$600.00}.

To ensure accurate reporting on my end, I kindly request that XXXX XXXX XXXX XXXX issue and send the required 1099-C form to my address listed below.

Additionally, I request that all 3 credit bureaus investigate this account for accuracy. If it can not be fully verified as compliant with all applicable laws, I request its immediate removal from my credit report. 
Please confirm receipt of this letter and provide me with updates regarding the investigation and removal process, as well as confirmation from XXXX XXXX XXXX XXXX regarding the issuance of the 1099-C form. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To : Consumer Financial Protection Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Capital One Bank regarding an issue with a debit card transaction. 

Account Information : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Name : Capital One Bank N.A. 
- Total Charged by XXXX despite purchase cancellation ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I canceled a debit card order with XXXX XXXX, an online merchant for XXXX However, Capital One Bank is requiring me to call them to dispute the transaction, despite my prior cancellation with the merchant. I am concerned that this may result in an unauthorized charge. 

Resolution Requested : I request that Capital One Bank : 1. Remove the disputed transaction from my account.

2. Provide a formal confirmation of the transaction cancellation.

3. Review and improve their dispute resolution process to prevent similar issues. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2024-12-29 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: LA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: LA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from 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 explanation
Consumer complaint received 2024-12-29 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: AR

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 XXXX XXXX XXXX 
THIS CHARGED OFF ACCOUNT IS NOW CONSIDERED ORDINARY INCOME. THIS IS CANCELLED DEBT SO HOW IS IT REPORTING ON MY CREDIT REPORT AS DEBT. 
I ASKED THIS COMPANY TO SEND ME A 1099-C FORM SO I COULD FILE THIS ORDINARY INCOME. THEY REFUSED TO SEND ME THE FORM, THIS IS A VIOLATION OF ( 15 USC 1681EB ). THIS DEBT WAS WROTE OFF ON THEY TAXES TO THE IRS AS PROFIT LOSS. THIS IS NOT ACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. THIS ACCOUNT NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT. 
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 2024-12-29 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:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, I attempted to contact Portfolio Recovery Associates via two methods to verify an alleged debt. First, I submitted an inquiry through their official website at https : //www.portfoliorecovery.com. Additionally, I emailed them directly at XXXX, an email address provided on their website for dispute-related matters. 

The purpose of my outreach was to request verification of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to validate the debt upon request. Despite my efforts, as of today ( XX/XX/year> ), nearly two months have passed, and I have not received any response. Under the FDCPA, specifically 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing and requests verification, the collector must cease collection activities until they provide verification. Failure to validate the debt within a reasonable timeframe may require the removal of the disputed item from my credit report. 

Given the lack of response and the elapsed time, Portfolio Recovery Associates is legally required to remove this debt from my credit report, as they have not fulfilled their obligation to verify or validate the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was recently informed by a representative from Equifax regarding my case related to the data breach. She mentioned that my case had been closed because I failed to respond by the deadline. However, I had submitted a request for an extended claim period and sent an email notifying them about my change of address, but unfortunately, I did not receive any response to either communication. 

On XX/XX/year>, I spoke with another Equifax representative named XXXX. During our conversation, she assured me that she would reopen my case and that I would receive a follow-up call regarding the status of my claim. Unfortunately, I have yet to receive that call or any further communication about my case. 

I want to emphasize that I took my responsibilities seriously ; I completed all the required paperwork related to the data breach, which was quite time-consuming and took me approximately an hour and a half to finish online. After all this effort, I am left concerned about whether my information has been lost in the process. I would appreciate clarity on the situation and any next steps I should take to ensure my case is properly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
I was listed in several major data breaches, compromising my personal information and making it susceptible to misuse. These breaches have resulted in the inclusion of numerous incorrect and unverified items on my credit reports, which vary inconsistently across the three major credit bureausEquifax, XXXX XXXX XXXX After obtaining my free credit reports, I discovered these discrepancies and initiated disputes with the companies reporting the negative items and the credit bureaus directly. 

Despite my efforts, the inaccuracies persist, causing significant harm to my credit standing and personal reputation.Despite my repeated efforts to correct multiple inaccuracies on my credit reports with all three credit bureaus, these errors remain unresolved. These inaccuracies negatively affect my creditworthiness and violate my rights under the FCRA.

These breaches make any electronic records suspect, as digital signatures and documents could have been compromised or fraudulently created.

Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ), failure to provide this information invalidates the debt. Moreover, the inclusion of such unverifiable items on my credit reports violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reports be accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to report a violation of my consumer rights regarding a collection account reported on my credit report by XXXX XXXX XXXX XXXX XXXX. I have requested validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), but I have not received any documentation or response from either XXXX XXXX XXXX XXXX XXXX or the credit reporting agency. 

Here are the details of the issue : Debt Collection on Credit Report : A collection account from XXXX XXXX XXXX XXXX XXXX is listed on my credit report. This account is inaccurate or incomplete, and I have reasons to believe it may not be valid. 

Request for Debt Validation : On XX/XX/year>, I sent a formal request to XXXX XXXX XXXX XXXX XXXX for validation of the debt under Section XXXX of the Fair Debt Collection Practices Act ( FDCPA ). This request required them to provide detailed documentation of the debt, including the original creditor, the amount owed, and proof that they have the legal right to collect the debt. 

Failure to Respond to Debt Validation Request : Despite the legal requirement for XXXX XXXX XXXX XXXX XXXX to provide validation of the debt within XXXX days, I have not received any response. This failure to validate the debt violates my rights as a consumer. 

Violation of Credit Reporting Requirements : Additionally, I have contacted the credit bureau that is reporting this collection account. The credit bureau is also in violation of my rights because, under the Fair Credit Reporting Act ( FCRA ), they are obligated to ensure the accuracy and completeness of the information they report. Since XXXX XXXX XXXX XXXX XXXX has not validated the debt, the credit bureau is continuing to report this account without confirming its validity, which is a violation of my rights under the FCRA. 

As a result of these actions, I am requesting that the CFPB investigate the failure of both XXXX XXXX XXXX XXXX XXXX and the credit reporting agency to comply with consumer protection laws, including the FDCPA and FCRA. I am seeking the following actions : Immediate removal of the invalid collection account from my credit report. 
A written explanation from XXXX XXXX XXXX XXXX XXXX regarding their failure to validate the debt. 
A correction or update to my credit report to reflect the accurate information. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations of my consumer rights. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate.

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 2024-12-29 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief