vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Deposited 5 checks from workers compensation insurance company XXXX XXXX on XX/XX/year>XXXX  totalling {$6900.00}. Navy federal claimed suspicious activity and restricted my account. I have submitted the check stubs to Navy Federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Equifax for failing to remove 19 unauthorized hard inquiries from my credit report. These inquiries were made due to identity theft, which I have reported to Equifax multiple times. Despite filing identity theft reports and submitting complaints to the CFPB, Equifax has refused to remove these inquiries, causing significant damage to my credit score and financial stability. 

Unauthorized Hard Inquiries : The following unauthorized hard inquiries are reported on my Equifax credit file : 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 XXXXXX/XX/XXXX These hard inquiries were unauthorized and are the result of identity theft. I have submitted identity theft reports to Equifax, but they have failed to remove these inquiries or properly investigate the claims. 

Violation of Legal Requirements : FCRA 1681e ( b ) : Equifax is required to maintain accurate information and has failed to remove fraudulent entries. 

FCRA 1681i ( a ) : Equifax has not investigated or corrected these disputed entries within 30 days.

FCRA 1681c-2 : As a victim of identity theft, I am entitled to the removal of fraudulent inquiries. 

Florida Statutes Chapter 501.2077 : Equifax has violated Florida consumer protection laws by failing to remove fraudulent information. 

Requested Resolution : Immediate Removal of all unauthorized hard inquiries. 

Investigation and removal of all fraudulent entries associated with my identity. 

Written confirmation from Equifax stating these inquiries have been removed. 

Documentation of compliance with FCRA and identity theft protections. 

Failure to comply within 30 days will result in my escalation of this matter to the FTC, CFPB, and Florida Attorney General, along with pursuing legal action for statutory and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX  Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 XXXX XXXX XXXX with a balance of {$9000.00}, XXXXXXXX XXXX XXXX with a balance of {$6600.00}, XXXX XXXX XXXX XXXX with a balance of {$640.00}, XXXX with a balance of {$1000.00} & {$530.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # XXXX from FTC report 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 2025-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Companies BMW finance XXXX XXXX bmw of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BMW finance XXXX XXXX A inquiries made in XX/XX/year> fraudulent All identity theft for auto loans and fraud using my information to lease vehicles without my knowledge. 

Please remove these hard inquiries from my credit report at every credit bureau I reported identity theft for personal and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
Ive been trying for years to correct my credit I was victim of identity theft by the people I used to lived in the past I still have all those accounts the are not mine I try before many time disputing these with experian but no resolution 15 USC 1681 ( XXXX ) civil liability for negligent noncompliance I want all the negative to erase and delete or remove for 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 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
Their app is messed up and they said I still owe them money and I remember paying them back and they still say I owe them money which I told them I paid him back

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
TransUnion keeps sending messages regarding my disputes and when I call to speak to a representative about the issue giving the incident number they said they do not know what I am speaking about. The back and fourth and constant lying about the inquiries not being on my report is very unethical and legal. These accounts was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my report being accurate and verifiable. The other two credit bureaus removed these accounts because they were unable to properly verify it. I'm confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please send proof that this account has been properly verified or remove these inacucurate accounts from my 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 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP
State: FL

Complaint narrative:
recieved a letter from capital management services that I owe a debt from XXXX  XXXX XXXX for {$3200.00}. There is no verification that amount is my debt. No options were included. They have called me nonstop.

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 2025-01-30 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: IL

Complaint narrative:
CFPB Rebuttal Against XXXX for Unlawful Credit Reporting After Issuing a 1099-C Complainant : XXXX XXXX Respondent : XXXX XXXX XXXX XXXX 
Case Reference : CFPB Case # XXXX Summary of Violations XXXX has acknowledged that it issued Form 1099-C for the tax year XXXX ( sent in XX/XX/XXXX ), confirming that the debt was legally canceled and reported to the IRS as income. Thus, have not received the physical 1099-C to report as INCOME on my taxes. Despite this, XXXX continues to report the account as a delinquent charge-off on my credit report. This action is a direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS regulations regarding cancellation of debt. 

Violations & Legal Arguments 1. FCRA Violation Inaccurate Reporting After Debt Cancellation ( 15 U.S.C. 1681s-2 ( b ) ) XXXX is furnishing inaccurate and misleading information to the credit bureaus by continuing to report the account as an outstanding charge-off. 
A 1099-C designates the debt as canceled income, meaning it can no longer be reported as a liability on my credit profile.

Credit reporting agencies are required to maintain accurate information under 15 U.S.C. 1681e ( b ). By refusing to delete the tradeline, XXXX is contributing to defamation of credit and causing financial harm. 

2. IRS Violation Fraudulent Debt Reporting After 1099-C Issuance Under IRS Publication 4681 & 26 U.S.C. 6050P, once a creditor issues a 1099-C, they have written off the debt and forfeited their right to collect or report it as outstanding. 
Reporting a canceled debt as due is considered a form of double taxation and fraud because the debtor is already required to claim it as income on their tax return. 
I have filed IRS Form 3949-A to report this potential tax fraud. 

3. FDCPA Violation Unfair & Deceptive Practices ( 15 U.S.C. 1692e & 1692f ) By falsely reporting the account as due after it was canceled, XXXX is engaging in false, deceptive, and unfair practices. 
FDCPA 1692e ( 8 ) prohibits creditors from misrepresenting the legal status of a debt.

FDCPA 1692f ( 1 ) states that it is unlawful to attempt to collect an amount not permitted by law. 

4. Arbitration Clause & Breach of Contract XXXX response references mandatory arbitration under their Cardholder Agreement. 
By failing to initiate arbitration before litigation or collections, XXXX has waived their right to arbitration and violated their own contract terms. 
I demand immediate arbitration under the XXXX XXXX XXXX ( XXXX ) and will be filing for damages related to unlawful credit reporting. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
CFPB Rebuttal Against XXXX for Unlawful Credit Reporting After Issuing a 1099-C Complainant : XXXX XXXX Respondent : XXXX XXXX XXXX XXXX 
Case Reference : CFPB Case # XXXX Summary of Violations XXXX has acknowledged that it issued Form 1099-C for the tax year XXXX ( sent in XX/XX/XXXX ), confirming that the debt was legally canceled and reported to the IRS as income. Thus, have not received the physical 1099-C to report as INCOME on my taxes. Despite this, XXXX continues to report the account as a delinquent charge-off on my credit report. This action is a direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS regulations regarding cancellation of debt. 

Violations & Legal Arguments 1. FCRA Violation Inaccurate Reporting After Debt Cancellation ( 15 U.S.C. 1681s-2 ( b ) ) XXXX is furnishing inaccurate and misleading information to the credit bureaus by continuing to report the account as an outstanding charge-off. 
A 1099-C designates the debt as canceled income, meaning it can no longer be reported as a liability on my credit profile.

Credit reporting agencies are required to maintain accurate information under 15 U.S.C. 1681e ( b ). By refusing to delete the tradeline, XXXX is contributing to defamation of credit and causing financial harm. 

2. IRS Violation Fraudulent Debt Reporting After 1099-C Issuance Under IRS Publication 4681 & 26 U.S.C. 6050P, once a creditor issues a 1099-C, they have written off the debt and forfeited their right to collect or report it as outstanding. 
Reporting a canceled debt as due is considered a form of double taxation and fraud because the debtor is already required to claim it as income on their tax return. 
I have filed IRS Form 3949-A to report this potential tax fraud. 

3. FDCPA Violation Unfair & Deceptive Practices ( 15 U.S.C. 1692e & 1692f ) By falsely reporting the account as due after it was canceled, XXXX is engaging in false, deceptive, and unfair practices. 
FDCPA 1692e ( 8 ) prohibits creditors from misrepresenting the legal status of a debt.

FDCPA 1692f ( 1 ) states that it is unlawful to attempt to collect an amount not permitted by law. 

4. Arbitration Clause & Breach of Contract XXXX response references mandatory arbitration under their Cardholder Agreement. 
By failing to initiate arbitration before litigation or collections, XXXX has waived their right to arbitration and violated their own contract terms. 
I demand immediate arbitration under the XXXX XXXX XXXX ( XXXX ) and will be filing for damages related to unlawful credit reporting. 

Respectfully, 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 2025-01-30 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. 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 generally, 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.

And according to 15 USC 1681s-2 they are suppose 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.

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 2025-01-30 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: FL

Complaint narrative:
I am writing to express my deep disappointment and frustration with the ongoing dispute regarding certain negative accounts that are inaccurately listed on my credit report. Despite my repeated efforts and communication with you, these erroneous entries continue to affect my credit score adversely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to express my deep disappointment and frustration with the ongoing dispute regarding certain negative accounts that are inaccurately listed on my credit report. Despite my repeated efforts and communication with you, these erroneous entries continue to affect my credit score adversely.

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 2025-01-30 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: NV

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on this account that I was in fact paid on time. 
The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint for the following account and dates. 

XXXX XXXX XXXX Account # XXXX Late Payment XX/XX/year> Late Payment XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on this account that I was in fact paid on time. The consumer reporting agen
cies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint for the following account and dates. 

XXXX XXXX XXXX Account # XXXX Late Payment XX/XX/year> Late Payment XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
15 U.S. Code 6802 No financial institution can share your non public information with a third party entity. This account I have asked multiple times about I have no idea what or where it come from.

Company response to consumer: Closed with explanation