vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my credit report. According to my records, this account was charged off and the debt was written off by XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit file. Additionally, under IRS regulations, if a creditor cancels a debt and issues a 1099-C ( Cancellation of Debt ), that debt is considered forgiven and reported as income to the IRS. As such, the continued reporting of this account as a charge-off with a balance due is inaccurate and misleading if a 1099-C has been issued.

* * Request for Verification : * * Please provide documentation verifying that XXXX XXXX XXXX  has not issued a 1099-C for this cancelled debt. If a 1099-C has been issued, the debt has been forgiven and should no longer be reported as a charge-off or as an outstanding balance on my credit report.

* * Requested Action : * * If you are unable to provide this documentation, I respectfully request that this account be deleted from my credit report immediately, as required by the FCRA and in accordance with IRS guidelines regarding cancelled debt.

Please complete your investigation within the 30-day period required by law and provide written confirmation of your findings and the actions taken. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my credit report. According to my records, this account was charged off and the debt was written off by XXXX XXXX Bank. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit file. Additionally, under IRS regulations, if a creditor cancels a debt and issues a XXXX ( Cancellation of Debt ), that debt is considered forgiven and reported as income to the IRS. As such, the continued reporting of this account as a charge-off with a balance due is inaccurate and misleading if a XXXX has been issued. 

* * Request for Verification : * * Please provide documentation verifying that XXXX XXXX Bank has not issued a XXXX for this cancelled debt. If a XXXX has been issued, the debt has been forgiven and should no longer be reported as a charge-off or as an outstanding balance on my credit report. 

* * Requested Action : * * If you are unable to provide this documentation, I respectfully request that this account be deleted from my credit report immediately, as required by the FCRA and in accordance with IRS guidelines regarding cancelled debt. 

Please complete your investigation within the 30-day period required by law and provide written confirmation of your findings and the actions taken. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my credit report. According to my records, this account was charged off and the debt was written off by XXXX XXXX Bank. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit file. Additionally, under IRS regulations, if a creditor cancels a debt and issues a XXXX ( Cancellation of Debt ), that debt is considered forgiven and reported as income to the IRS. As such, the continued reporting of this account as a charge-off with a balance due is inaccurate and misleading if a XXXX has been issued. 

* * Request for Verification : * * Please provide documentation verifying that XXXX XXXX Bank has not issued a XXXX for this cancelled debt. If a XXXX has been issued, the debt has been forgiven and should no longer be reported as a charge-off or as an outstanding balance on my credit report. 

* * Requested Action : * * If you are unable to provide this documentation, I respectfully request that this account be deleted from my credit report immediately, as required by the FCRA and in accordance with IRS guidelines regarding cancelled debt. 

Please complete your investigation within the 30-day period required by law and provide written confirmation of your findings and the actions taken. 

Thank you for your prompt attention to 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 2025-04-25 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:
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. 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 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Greetings, I am writing this to counter the letter I received from TransUnion on XX/XX/year> in response to my filing of an FTC report regarding the XXXX XXXX XXXX account reporting. I have filed multiple reports of disputes and have even contacted the furnisher of the debt in desperation even wanting to settle the debt, not taking ownership but just to have a chance at accuracy in my credit report. Knowing the debt was still UNVERIFIED after my request, it seemed that no one was understanding that when I filed several disputes stating that this collector has failed to provide me with proof that this debt is actually belonging to me. Their failure to help me understand where this debt came from is why it is not mine. TransUnion has declined to delete the account despite these things, in assumption that because of my previous disputes leading up to the report that it is not valid. The reason the FTC report was not the first thing filed prior to my last disputes is because I was trying to go the civil route of having the furnisher do the right thing which was to provide me with information pertaining to the debt so that if it were mine, it could be settled their failure to do so, their negligence that I have also reported to you as a bureau that you ignored, and so many more circumstances has shown me that the civil route was not going to work. 

According to section XXXX Notice for validation of debts from the CFPB, I have the right to request information about the debt and if you refer back to previous disputes where I stated that I had requested that information with proof that they had not provided it, you did not protect my rights as a consumer. Had you done so, the debt would have been deleted. The debt is not mine and has not been verified as mine upon request so as a consumer left in the dark, I have no choice but to believe that it is a product of identity theft. I should have filed this report all along, and now that I have, I am requesting that this trade line be deleted. The debt is not mine. My information was apart of data breaches in the past and because of that, this debt has been deleted from every other credit bureau except TransUnion who fails to acknowledge the submitted report. 

Attached will be every document I have submitted to you as a bureau pertaining to the debt just in case you need a refresh.

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 2025-04-25 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/year> at XXXX pm Eastern I placed an order for a {$200.00} XXXX e-gift card with a {$6.00} activation fee from the XXXX app. At XXXX pm Incomm issued the gift card and at XXXX pm I attempted to add the card to my XXXX XXXX per the instructions on the Incomm website. Incomm stated they locked the card for fraud. My only option was a refund check in 7-10 business days for the {$200.00} and they could not refund the {$6.00} fee. I also spoke with XXXX customer service who declined to refund the {$6.00} fee they charged for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Affirm Account No Notice of Assignment, No Validation, Inaccurate Reporting To Whom It May Concern : I am formally disputing the reporting of an account by Affirm on my XXXX  credit file under the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681i.

Please be advised : I never received a letter of assignment or notification that this alleged debt was sold or transferred to any third party.

Affirm is attempting to collect on a debt they no longer legally own.

This account is not being reported on my XXXX  or XXXX  credit files, which raises serious concerns about the accuracy, consistency, and legitimacy of the reporting on XXXX. 

Under 15 U.S.C. 1681e ( b ), XXXX  is required to ensure maximum possible accuracy. How is this information considered accurate if it is not verifiable across all major bureaus?

Additionally, please be advised of the following dispute codes related to my claim : Code 001 : Not my account Code 103 : Account sold to another lender Code 112 : No contract / never authorized Code 106 : Inaccurate account information Code 118 : No notification of debt transfer In accordance with my rights under the FCRA, I demand that XXXX immediately : Delete this unverifiable, inaccurate Affirm accounts from my credit report ; or Fully validate the debt with complete documentation showing chain of title, proof of assignment/sale, and a copy of the original signed contract bearing my signature.

If this account is not properly validated or removed within 15 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Please send me written confirmation once this investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX XXXX  breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Transnion credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-25 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: GA

Complaint narrative:
Experian is currently reporting a charge-off from XXXX XXXX XXXX XXXX under account number XXXX XXXX XXXX XXXX XXXX with a balance of {$38000.00}. I have thoroughly reviewed my payment records and reached out to XXXX XXXX to request verifiable documentation to support this charge-off entry. Despite my attempts, XXXX XXXX has failed to provide any original account agreements, statements, or proof of default that would substantiate their reporting. Experian, by continuing to report this charge-off without receiving or verifying any substantive documentation, is in violation of the Fair Credit Reporting Act under 15 USC 1681i ( a ), which mandates that any item a consumer disputes must be reinvestigated, and if not verified, removed. Furthermore, under 15 USC 1681e ( b ), Experian has a duty to ensure that any information furnished on my credit report is not only current but also accurate and complete. Reporting a charge-off of this magnitude with no supporting evidence, no validation from the original creditor, and no transparency into its origin is not just a failure in accuracyit 's a violation of my consumer rights.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/XXXX I received a large life insurance check in the amount of XXXX the check was written out to me and my XXXX XXXX XXXX XXXX I deposited this check chase put my account XXXX in the negative I then had to call to correct the issue and was told it was because the machine couldnt verify my signature I was then over nighted a legal copy of the check and told to deposit it with a teller the next day. I deposited the check again on XX/XX/XXXX, on my way from XXXX XXXX XXXX taking my XXXX XXXXn spring break after the XXXX of their XXXX I receive a message that my chase account has been closed I contacted customer service they said it was because the check had two names on it and I needed to verify XXXX XXXX XXXX XXXX luckily for me I had her documents with me so I detoured to XXXX where I was helped by a lovely branch manager by the name of XXXX XXXX who verified and scanned in her birth certificate and ss card, I was told I had to wait until the hold on the check cleared to lift the restriction which would be XX/XX/XXXX. It was held for 7 business days and released into my account, I called to get the restriction lifted it was denied again customer service representatives have not been able to tell me why the request has been submitted multiple times the back office requested an account manager to verbal verify with the check issuer I was able to deposit into account that was done and verified and my account is still restricted I spoke with another supervisor she says there is nothing else I can do that the restriction is because of an internal risk error whatever that means. Chase has been a nightmare dealing with this and XXXX  has been so much!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXX XXXX XXXX on XX/XX/year> account is showing in collection collection account opened at XXXX XXXX XXXX on XX/XX/year> account is showing in collection Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-04-25 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: LA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-25 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy as required. These reporting errors are having a significant and ongoing negative impact on my financial stability and personal well-being. 

This situation is placing an undue burden on me during an already difficult time.

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