vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: FL

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.

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX  years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below : XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX 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 explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this letter as a formal complaint and demand for immediate action under my rights afforded by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have disputed this account multiple times with all three major credit bureausTransUnion, Experian, and XXXX yet this inaccurate, outdated, and inconsistent information continues to be reported on my credit profile. 

Here are the critical issues : Inconsistent Data : Experian reports the account as a XXXX installment account, which is illogical and unverifiable. 

TransUnion and Equifax report it as an XXXX Account, yet no revolving terms are listed. 

Statuses differ between bureaus, which constitutes reporting inconsistency and negligence on behalf of the data furnisher. 

Re-aged Account : XXXX on XXXX data, the true last activity was XX/XX/year>. Any reporting past XXXX  years from that date is in violation of the FCRA Section 605 ( a ). 

Lack of Verification : I have never received proper documentation or validation of this debt, even after multiple disputes. This violates FCRA 611 and FDCPA 809.

This erroneous reporting is causing significant harm to my creditworthiness and is a clear example of continued negligent and willful reporting of inaccurate information. 

I am formally requesting the immediate removal of this account from all three credit bureaus due to its inaccuracy, outdated status, and failure to meet federal reporting requirements. 

If this matter is not resolved within XXXX  days, I will be filing a complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office I am also prepared to seek legal counsel for failure to comply with federal credit reporting laws and for the emotional and financial distress caused by this negligence.

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 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX  XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Grounds for Dispute : XXXX. Inaccurate and Incomplete Reporting Violation of FCRA 1681e ( b ) The FCRA mandates that credit reporting agencies must ensure maximum possible accuracy of the information reported. The account in question has been listed as a charge-off without proper supporting documentation or verification from the original creditor. Additionally, I was never issued a 1099-C ( Cancellation of Debt form ), which is required by the IRS when a creditor cancels a debt of {$600.00} or more. 
XXXX. Charge-Offs as Canceled Debt Constituting Income Not Subject to Credit Reporting According to IRS Publication 4681 and 26 U.S. Code 61 ( a ) ( 12 ), once a debt is canceled, it may be considered taxable income to the consumer. If a creditor writes off the debt and does not intend to collect, it is required to issue a 1099-C. Once this happens, the debt is no longer a liabilityit is income. However, income can not be reported on a credit report as debt, as it no longer represents a financial obligation. 
Therefore, without issuance of a 1099-C and proper notification, the continued reporting of this charge-off as a derogatory debt is misleading, incomplete, and potentially a form of double jeopardyboth taxing and penalizing the consumer for the same item. 
XXXX. Failure to Notify Violation of IRS & FCRA Requirements The Internal Revenue Code requires that a 1099-C form be sent to both the IRS and the debtor. I never received such documentation. This failure to comply with tax law and reporting requirements means that the validity of this charge-off is seriously in question, and it should be removed from my credit file under the FCRA due to inaccurate reporting. 
XXXX. Unverified or Obsolete Account FCRA 611 ( a ) ( 5 ) I request an immediate investigation into this item. If the creditor can not verify the charge-off with complete and accurate documentation, it must be deleted. If verification is not completed within 30 days, the item must be removed, per FCRA 611 ( a ) ( 1 ) ( A ). 
Formal Request : Under FCRA 611, I request the following actions : A full reinvestigation of the charge-off account listed above and non bias investigation ( must show proof of non bias investigation, listing who was interviewed ) Written verification of the validity and legal basis of the reported item Update to paid as agreed if my credit report if verification can not be provided ( due to inaccuracy it is ground for deletion but may drop my score ) A copy of any documentation used to verify the accuracy of the account Please consider this letter a formal dispute under the FCRA. If the item is not removed or updated accurately, I will file a complaint with the Federal Trade Commission ( FTC ), and consider legal remedies under the FCRA and other applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: WA

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 XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX * * * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX * * * XXXX XXXX  XXXX * * * * XXXXXXXX XXXX  XXXX XXXX XXXX * * * XXXX XXXX XXXX XXXX * * * XXXX XXXX XXXX  XXXX * * * * XXXX XXXX SERVICES XXXX * * * * XXXX XXXX XXXX * * * * XXXX MORTGAGE SERVICING, XXXX XXXX * * XXXX * XXXX XXXX XXXX * XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 : they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 : they are supposed to 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. 

15 U.S.C. 1681B ( 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 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 2025-04-16 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: WA

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 XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX * * * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX * * * XXXX XXXX  XXXX * * * * XXXXXXXX XXXX  XXXX XXXX XXXX * * * XXXX XXXX XXXX XXXX * * * XXXX XXXX XXXX  XXXX * * * * XXXX XXXX SERVICES XXXX * * * * XXXX XXXX XXXX * * * * XXXX MORTGAGE SERVICING, XXXX XXXX * * XXXX * XXXX XXXX XXXX * XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 : they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 : they are supposed to 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. 

15 U.S.C. 1681B ( 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 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 2025-04-16 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: PA

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 inquiries 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 to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 
XXXX XXXX : Account number : XXXX, The collector never validated this account. Please investigate and get back to me Fast.

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 2025-04-16 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER - CASE # -. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER - BANKRUPTCY LAWS. ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER - PAY SCHEDULE OF CREDITORS...

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 2025-04-17 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: MI

Complaint narrative:
Removal of old accounts and charge offs of my report which is impacting my report negatively

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 2025-04-17 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: MI

Complaint narrative:
Removal of old accounts and charge offs of my report which is impacting my report negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Ask for credit increase, they agreed but didn't add it to my existing card but issue new card. Sent new card to wrong address, called them and told them.The customer service guy had address not used in 4 years, I am at current address last 4 years, and that's what they have file. He said sorry cancel card and reissue new. He didn't cancel lost card, reissued another new card and this got my account locked for fraud that they caused .. Explained what they did. THEY requested 3 months of bank statements, drivers license, XXXX card, and utility bill verifying my address .. I was upset they screwed up, wasn't happy sending all my personal info .. Over XXXX weeks .. spoke with them several times and had to send my info and resend it XXXX separate times cause they can't seem to get it right and verify who I am.Finally spoke to fraud supervisor. She asked me to send it a XXXX time and would quickly review it and then unlock my account .. they verified my info over the phone with me and my account remains locked and it's been for additional XXXX weeks now since spoke .. XXXX cant access my account. They wanted me to pay card over phone .. I told you screwed up blamed me and still can't get my account straight .. Told I want my cards unrestricted and then I will pay on my account online dont trust anything done over phone with them, based on last XXXX weeks track record ... This has been a nightmare .. Their customer service is based overseas and their English speaking is barely intelligible and understanding even worse .. I have been account holder for over 20 years .. never had so much trouble when they 100 % caused it...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 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: SC

Complaint narrative:
After reviewing my credit profile, I noticed that II have fraudulent collections listed on my credit report. The fraudulent accounts have been hurting my ability to obtain new credit. Please remove the negative accounts from my credit profile.

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 2025-04-17 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: SC

Complaint narrative:
After reviewing my credit profile, I noticed that II have fraudulent collections listed on my credit report. The fraudulent accounts have been hurting my ability to obtain new credit. Please remove the negative accounts from my credit profile.

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 2025-04-16 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: FL

Complaint narrative:
I am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
The following information is listed as Account charged off or Sold on my credit reports. A previous letter received from the collection company read that the account was assigned to them by the creditor. The information is in correct as it shows Charged off or Sold. I requested prove from the collection company showing that it was assigned to them. There respond was that they don't have to provide that information. Under the FCRA is startes that all information been reported must be accurate. I am asking for the reported information be removed from my credit reports for being incorrect.

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