vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
Dear CFPB Team, I am writing to seek assistance with a tax reporting matter involving these charged-off accounts ( XXXX XXXX XXXX  XXXX XXXX ( XXXX  XXXX XXXX ) ( XXXX XXXX ) ( XXXX  XXXX XXXX ) ( XXXX XXXX - XXXX ) for which I have not received a Form 1099-C. This form is necessary to properly notify the Internal Revenue Service ( IRS ) about the cancellation of debt, as required by federal tax law. The account in question was charged off by XXXXXXXX XXXX XXXX on approximately XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 ; XXXX XX/XX/2023 ; I have made multiple attempts to contact the creditor and request the Form 1099-C, which is required for accurate tax reporting. However, to date, they have not provided the form, nor have they indicated when it might be issued. As a taxpayer, I am committed to fulfilling all reporting requirements accurately and timely. The lack of Form 1099-C, however, has created uncertainty regarding my tax obligations for the period in question. I am concerned about potential IRS penalties or issues that may arise due to the absence of this documentation. I would appreciate any assistance the CFPB can provide in helping to resolve this matter. If necessary, please feel free to contact me at the information provided above for any additional details. Thank you very much for your attention to this issue. 15 USC 1681 15 USC 1681 s 602 15 USC 1666B ; 15USC 1681b ( 2 ) Never gave written consent to have them reported. Civil Liability for willful noncompliance.

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 2024-12-02 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 writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. Upon reviewing my credit report, I noticed these hard inquiries that I did not authorize, and I believe these are result of fraudulent activity.

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 2024-12-02 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: CA

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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XX/XX/2024, XXXX  XXXX # XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX  XXXX # XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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 was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: OH

Complaint narrative:
I recently obtained copy of my credit report and noticed that Equifax was reporting XXXX XXXX account number # XXXX Is reporting inaccurate late payments XX/XX/XXXX - 60 days late XX/XX/XXXX XXXX90 days late XX/XX/XXXX - 120 days late XX/XX/XXXX - missing data XX/XX/XXXX - missing data XX/XX/XXXX - missing date XXXX missing data XX/XX/XXXX - missing data XX/XX/XXXX - missing data XX/XX/XXXX - missing data XX/XX/XXXX - charged off XX/XX/XXXX - charged off XX/XX/XXXX - charged off XX/XX/XXXX - charge off XX/XX/XXXX - charged off XXXX charged off How can I be 60 days late without being 30 days late. Also there is so much missing data. And how can an account be charged off each month that is illegally re-aging my account. 
It is the credit bureaus responsibility to report complete and accurate information. Please update this account to paid as agree I have attached copy of credit report as proof and I also attached my ID and social security as proof of Identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. 

The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. XXXX is reporting recent balances of XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$33000.00}, XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$34000.00}, XXXX XXXX {$34000.00}, XX/XX/XXXX {$35000.00}, XX/XX/XXXX {$34.00}, XXXX. According to the Fair Credit Reporting Act ( FCRA ), Arizona Consumer Fraud Act ( XXXX XXXXXXXX ) negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Dispute late charges on the mortgage payments in the past. Wells Fargo home mortgage. The mortgage was sold and closed on XX/XX/year>. They are incorrect on all late charges.

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 2024-12-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: WI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I know I make my payments on time, so its confusing why this company is marking me late. Per USC 1666b, billing errors need to be corrected, and my account should reflect " paid as agreed. ''

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 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Loan depot placed insurance at {$12000.00} on XX/XX/XXXX. 
I supplied full coverage from XX/XX/XXXX till date to Loandepot Loandepot refunded {$6500.00} for the coverage starting from XX/XX/XXXX. 
Loandepot refused to refund the remaining part saying they never charged ( have recorded phone conversation with Loandepot insurance department )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Reached out to world acceptance. Requested accurate amount and dates. no response. The account is now over Seven years old. As of XXXX. It's now XXXX, XXXX. The account should be removed. Cause its been over seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" 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. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON 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 explanation
Consumer complaint received 2024-12-02 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: NV

Complaint narrative:
15 U.S. Code 1681n - Civil liability for willful noncompliance Willful noncompliance with the Fair Credit Reporting Act ( FCRA ) can result in civil penalties, including : Statutory damages : {$100.00} {$1000.00} per violation Actual damages : The consumer 's actual damages Punitive damages : As decided by the court Attorney 's fees : Reasonable attorney 's fees for the prevailing party The FCRA outlines civil penalties for both willful and negligent violations. A court can find a violation to be willful if it was knowing or reckless. 

Both accounts below said that its already deleted from Equifax but when I checked my credit report, both accounts are still showing as a collection on my Equifax report. See attached file for proof of the deletion that came from Equifax and proof of account were not deleted XXXX Account name : XXXX Account number # XXXX XXXX Account name : XXXX Account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to provide an update on my ongoing challenges with Experian regarding my request to block adverse items on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 605C, as a survivor of XXXX. Despite fulfilling all documentation requirements and multiple attempts to resolve this matter, Experian continues to delay action, causing unnecessary financial and emotional distress. 

Summary of the Issue I initially filed a formal request with Experian in XX/XX/year> to block adverse credit information resulting from XXXX. This request included all required documentation, including proof of identity, proof of address, and a valid Victim Determination Documentation : a self-attestation signed by an authorized representative. 

The request was sent via certified mail with return receipt, which confirms Experian received it on XX/XX/year>. Since then, I have made additional submissions and provided supplemental documentation on XX/XX/year>, and XX/XX/year>XXXX to address any potential gaps in the original submission. 

Experians Noncompliance Under FCR

A Section 605C, Experian is required to : Complete the review of a completed submission and block the specified items within 4 business days. Notify the consumer of any deficiencies or missing documents within 5 business days. Provide a final determination of the request within 25 business days of the original submission. 
It has now been nearly two months since my original submission, and Experian has : Failed to block the adverse items despite receiving all required documentation. 
Provided vague and insufficient feedback on their determinations. 
Delayed their response well beyond the legally mandated timelines. 
Impact of Experians Delays Experians failure to act promptly has caused significant harm, including : Emotional Distress : The prolonged delays have exacerbated my recovery as a XXXX XXXX, undermining my efforts to rebuild my life. 
Financial Harm : The adverse items remain on my credit report, affecting my ability to secure housing, loans, and employment opportunities.

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 2024-12-02 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: IL

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 explanation
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief