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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 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: LA

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX shared inaccurate credit score data with lenders, which led to denials and credit applications. I can not access my accurate credit scores online violating FCRA 605B ( 15 U.S.C. 1681c-2 ). Experian 's inadequate investigation failed to properly address my prior consumer disputes, using flawed procedures and not accurately conveying all relevant information about my disputes to the original furnisher violating 15 USC 1681.

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: TX

Complaint narrative:
In accordance whit the fair credit reporting act account # XXXX XXXX XXXX XXXX, 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 connot furnish a account without my written instrucctions.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance whit the fair credit reporting act account # XXXX XXXX XXXX XXXX, 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 connot furnish a account without my written instrucctions.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, Experian has neglected in writing to comply with the previous. Experian after receiving a certified letter via USPS, including the 2 ID theft reports made to the Federal Trade Comission, suffered after the data leak from certain payment processor, for insurance companies including but not limited to XXXX XXXX, XXXX XXXX XXXX XXXX Experian on an email received today neglects removal for unrecognized inquiries from : XXXX XXXX ( XXXX ) on XX/XX/XXXX XXXX of XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX ) Experian falsely states not having sufficient info, and does not provide verification providing my authorization. 
2 ) Experian asks for my SS card, ID and proof of address, fraudulently trying to distract regulators.

3 ) Experian affects the consumer financially, by lowering the credit score for more than XXXX points, causing a mortgage lender to increase by XXXX bps the XXXX yr rate for a mortgage this month, liable for the impact after : A ) receiving second dispute via USPS registered Mail with returned receipt evidence, including FTC idtheft reports, ID, SS card, and report number.

B ) Experian fails to provide any kind of verification documenting my bearing signature with those creditors.

C ) Experian omits to overview the letters received previously carefully, and the against evidence of receiving all they irresponsibly and fraudulently detail on their email, in an effort to avoid liability, and the potential court claims for defamation, and disclosure of private information. Second letter delivered XX/XX/XXXX. 
Experian is in a breach of the FCRA, and applicable civil codes related to privacy, and against the FTC mandate for ID Theft cases.

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: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
Consumer Portfolio states the car was repossessed in XX/XX/year> that is a lie also the act is over 7 years old an should not be on my credit report asking to. Be removed

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Upon reviewing my credit report, I noticed inaccuracies that requires immediate review and correction as is my right under FCRA 15 USC 1681 ( i ). This letter is a formal dispute and request for a procedural investigation. the company this letter is addressing is XXXX XXXX with the account number XXXX thank you.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon reviewing my credit report, I noticed inaccuracies that requires immediate review and correction as is my right under FCRA 15 USC 1681 ( i ). This letter is a formal dispute and request for a procedural investigation. the company this letter is addressing is XXXX XXXX with the account number XXXX thank you.

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Upon reviewing my credit report, I noticed inaccuracies that requires immediate review and correction as is my right under FCRA 15 USC 1681 ( i ). This letter is a formal dispute and request for a procedural investigation. the company this letter is addressing is XXXX XXXX with the account number XXXX thank you.

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 status incorrect
Company: EQUIFAX, INC.
State: KY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

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 XX/XX/XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXXXXXX - Incorrect Address XXXX - Incorrect DOB These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to express my frustration and disappointment with the ongoing issue I have been experiencing with incorrect 1098 statements for my multiple loans with the bank. Despite escalating this issue a year ago, the problem persists, and I am still unable to access accurate 1098 information online or through the mobile app.

To recap, I have three loans with Fifth Third Bank, and when I attempt to download the 1098 statements for each loan, I receive 3 identical, incorrect statements. Furthermore, the 1098 forms do not include the property addresses associated with each loan. This oversight is not only inconvenient but also creates unnecessary complexity for customers who rely on paperless statements and documents.

I urge you to take immediate action to resolve this issue, ensuring that the website and mobile app accurately display 1098 information for customers with multiple loans. It is unacceptable that this problem has been ignored for so long, and I hope that you will take steps to prevent similar issues in the future. 

I appreciate your attention to this matter, and I look forward to a prompt resolution.

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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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 — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the {$790.00} charge that is being reported on my credit report under your companys name. I have contacted XXXX customer service multiple times regarding this matter, and each time, your representatives were unable to locate any record of my account in your system or provide a valid resolution. 
As per the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( b ), I am requesting that XXXX provide me with debt validation for the amount of {$790.00}. This includes proof of the debts validity and documentation showing that I owe the amount being reported. Additionally, if XXXX can not provide such documentation, I request that this account be immediately removed from my credit 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX TX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing.

2.Provide me with all documentation used to verify the accuracy of the disputed information.

3.Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX ] Phone : XXXX Email : XXXX [ Enclosures : Copy of ID

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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: AL

Complaint narrative:
I dont remember the exact dates, I do remember the company in which it was purchased. I purchased a lens insert for a XXXX XXXX XXXX headset via cash app debit card for around XXXX something dollars. From XXXX XXXX, this is the company in which I did not realize was from a foreign entity. So I decided to buy not realizing that it was a foreign company. I waited over a month and a half and never received order, so this is when I disputed the transaction with cash app. They said when the dispute came back I was refunded, then a month later they closed my account. Even though it was legitimate the dispute they still closed stating that i violated their terms of service, which I read and it was not a breach of contract. Terms. I cant open a new account with cash app new phone number email and everything and they still shut down the account when I try to open.all I want to do is open a cash app account, which I did nothing but honesty and courtesy cash app customer service I even call their customer support when it happen explained every thing and still they dont even seem to care. So I want another cash app account as Im on a fixed income XXXX and cant walk with muscular dystrophy. With out. A job and I need cash app to put my money in as I cant get a standard bank due to my financial situation and credit issues so Im hoping the CFPB can get cash app to respond and help rectify this. Thank you.

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 — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  ACCT # XXXX [ MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX ] According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks,

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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