vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: MO

Complaint narrative:
Subject : Fraudulent Account Dispute Identity Theft Notification To Whom It May Concern, I am writing to formally dispute a fraudulent account that has appeared on my credit report with your bureau. The account in question is a XXXX account, which I did not open and have no association with. I am a victim of identity theft, and my personal information was exposed in a recent data breach. Since that time, I have had to closely monitor my credit report to prevent further fraudulent activity. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( XXXX U.S.C. XXXX ), I am requesting that this fraudulent account be blocked from my credit file immediately. The FCRA requires credit bureaus to block reporting of information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Failure to comply with this requirement may expose your bureau to civil and legal penalties. 

For your reference, I am submitting the following supporting documents : Identity Theft Report The report is titled Drastic and is attached to this request. 
Copy of my government-issued ID ( e.g., driver 's license or passport ). 
Proof of address ( e.g., utility bill or bank statement ). 
As per FCRA Section 605B ( c ), any credit bureau that fails to block fraudulent information upon receiving an identity theft report may be liable for damages, attorneys fees, and additional penalties under FCRA Sections 616 and 617 ( XXXX U.S.C. XXXX, XXXX ), which allow for civil liability and statutory damages of up to {$1000.00} per violation, plus punitive damages for willful noncompliance. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within the legally mandated four-business-day timeframe. If this matter is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursue legal action if necessary. 

Please send me a written confirmation once the fraudulent account has been removed from my credit report. If you require any further information, you may contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
The company XXXX XXXX XXXX XXXX XXXX as they have been sued for fraudulently reporting consumers information. They have reported that I owe a debt for income they have received on an auto loan and also I am aware that the incorrect reporting breach from XXXX and XXXX has negatively affected my reports. 
I have asked for the 1099 C showing they have received the income for this " debt '' and have not been provided the correct information. 
According to FTC income should not be reported on my credit report. I am writing you to see to it that the proper measures be taken in order to remove this inaccurate information from my report. 
I am filing this complaint against XXXX XXXX XXXX XXXX for improperly reporting income from a charge-off on my credit report, which may violate federal law, including the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, and XXXXnternal Revenue Code ( IRC ) provisions regarding debt cancellation. 

III. Nature of the Issue XXXX XXXX XXXX XXXX has reported a charge-off on my credit report. However, they have also improperly reported this charge-off as income, which inaccurately inflates my taxable earnings and negatively impacts my creditworthiness. 
Under XXXX U.S.C. XXXX ( a ), furnishers of credit information have a duty to report accurate information to consumer reporting agencies. By mischaracterizing a charge-off as income, the creditor has provided false and misleading data. 
A charge-off is an accounting designation for a delinquent debt but does not constitute taxable income unless the debt is legally forgiven and a Form 1099-C is issued under XXXX U.S.C. XXXX. I have not received a valid cancellation of debt notification, meaning this reporting is both incorrect and damaging. 
This misreporting has caused harm, including potential IRS implications and an unjust impact on my credit score.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement action against XXXX XXXXXXXX for similar practices, holding that such misreporting is a violation of consumer protection laws. This case sets a precedent that creditors can not unlawfully report charge-offs as income to mislead credit reporting agencies.

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 2025-02-06 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 company XXXX XXXX XXXX XXXX XXXX as they have been sued for fraudulently reporting consumers information. They have reported that I owe a debt for income they have received on an auto loan and also I am aware that the incorrect reporting breach from XXXX and equifax has negatively affected my reports. 
I have asked for the 1099 C showing they have received the income for this " debt '' and have not been provided the correct information. 
According to FTC income should not be reported on my credit report. I am writing you to see to it that the proper measures be taken in order to remove this inaccurate information from my report. 
I am filing this complaint against XXXX XXXX XXXX XXXX for improperly reporting income from a charge-off on my credit report, which may violate federal law, including the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, and Internal Revenue Code ( IRC ) provisions regarding debt cancellation. 

III. Nature of the Issue XXXX XXXX XXXX XXXX has reported a charge-off on my credit report. However, they have also improperly reported this charge-off as income, which inaccurately inflates my taxable earnings and negatively impacts my creditworthiness. 
Under XXXX U.S.C. XXXX ( a ), furnishers of credit information have a duty to report accurate information to consumer reporting agencies. By mischaracterizing a charge-off as income, the creditor has provided false and misleading data. 
A charge-off is an accounting designation for a delinquent debt but does not constitute taxable income unless the debt is legally forgiven and a Form 1099-C is issued under XXXX U.S.C. XXXX. I have not received a valid cancellation of debt notification, meaning this reporting is both incorrect and damaging. 
This misreporting has caused harm, including potential IRS implications and an unjust impact on my credit score. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement action against XXXX  XXXX for similar practices, holding that such misreporting is a violation of consumer protection laws. This case sets a precedent that creditors can not unlawfully report charge-offs as income to mislead credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-02-06 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
So the company AFFIRM INC/Affirm Loan Services . has a charged off on my affirm account for Loan XXXX and reported it to the credit companies such as XXXX, etc. before the 120 day mark and they did not provide me with a 1099C and I paid them the remaining balance and they will not removeor delete it off none of my credit reports even though I paid it off and say they did not report it to the credit bureaus but they did and I want to sue them for statutory damages because under the FCRA, I can seek statutory damages if a creditors furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After latest credit reports and national companies informing these credit bureaus that the debts are closed, the companies continue to represent something otherwise. The inaccurate credit reports poorly reflect my character, despite my righteous resolve of closing my previous debts. In other words, these credit bureaus are not only locking me out of credit opportunities, even when there are no current outstanding debts, they are actively punishing me when I have committed nothing but good behavior. With the logic of these credit bureaus, every American that tries to correct her shortcomings are further punished. I am not one person ; this is ongoing and disruptive behaviors from the credit bureaus for years. These credit bureaus deserve nothing more than major lawsuits, with stock market prices dropping to the floor.

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 2025-02-06 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: PA

Complaint narrative:
I am writing to formally dispute a charge-off account that has been reported on my credit file Upon reviewing my credit report, I noticed an entry from Experian and XXXX with the amount of {$310.00} which is marked as a charge-off. I believe this information is either inaccurate, incomplete, or unfairly reported and request that it be investigated and corrected or removed. 

Please remove or correct this charge-off entry from my credit report as soon as possible. If the creditor can not verify the accuracy of this information, I request that it be deleted. Kindly provide a written response regarding your findings and any updates to my credit 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 2025-02-06 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, Experian, and Transunion breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online. 

I sent a letter disputing ( XXXX XXXX XXXX ) XX/XX/year> Experian responded that this collection didnt change, they immediately response within hours and theres no way this was a proper investigation.

I need this information removed from my credit report I cant even rent a apartment or house with this collection 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 2025-02-06 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: MN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-06 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: WI

Complaint narrative:
False reporting on my credit, multiple doubles and inaccurate reporting.

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 2025-02-06 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: Early Warning Services, LLC
State: CA

Complaint narrative:
This is not an error or misunderstandingI am reaching out because my credit report contains incorrect and mixed information that does not belong to me. I have repeatedly come across unfamiliar accounts, transactions, and items that I have no association with. This situation is deeply concerning and is taking a serious toll on me, causing unnecessary stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IN

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-06 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: LA

Complaint narrative:
Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 a personal loan account opened at 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-06 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: TX

Complaint narrative:
The creditor keeps reporting incorrect information this is not a debt that I owe. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Collection {$3500.00} this was a write off and a XXXX XXXXXXXX issue under XXXX - XXXXXXXX XXXX XXXX XXXX They need to DELETE this derogatory account from my credit report 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 2025-02-06 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: TX

Complaint narrative:
The creditor keeps reporting incorrect information this is not a debt that I owe. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX - Debt Collection {$3500.00} this was a write off and a XXXX XXXXXXXX issue under XXXX - XXXXXXXX XXXX XXXX XXXXt They need to DELETE this derogatory account from my credit report immediately.

Company response to consumer: Closed with explanation