vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA XXXX  accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$700.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tn XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Copy of 1099-C for Charged-Off Account Dear Experian, I am writing to formally dispute the reporting of a charge-off account listed on my credit report. The account information is as follows : Creditor Name : XXXXXXXX XXXX Account XXXX Date of Charge-Off : XX/XX/year> I request that you verify this debt in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with all supporting documentation, including a copy of IRS Form 1099-C, if applicable. If the debt has been forgiven or written off by the creditor, as indicated by the charge-off status, the creditor is required to issue a 1099-C for the amount canceled. 

Please note that failure to verify or provide the requested documentation within 30 days may result in my request to have this item removed from my credit report. 

I have attached a copy of my drivers license/state ID to verify my identity. Additionally, I have enclosed a copy of my credit report highlighting the disputed account. 

Thank you for your attention to this matter. I look forward to your prompt response. If you need any further information, please do not hesitate to contact me at XXXX or XXXX 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 2024-12-01 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:
I am filing this complaint against the Credit Reporting Agencies ( CRAs ) for the following violations : Fraudulent Reporting of Charged-Off Accounts Failure to Honor Opt-Out Rights Under FCRA ( 15 U.S.C. 6802 ) CRAs are illegally reporting charged-off accounts on my credit report. A charged-off account is classified as income when reported to the IRS on a 1099-C form. According to the Fair Credit Reporting Act ( FCRA ), income can not legally be reported as a debt on a credit report. 

Violation : Reporting these charged-off accounts as debts is misleading, inaccurate, and against federal law under 15 U.S.C. 1681c ( a ), which prohibits the reporting of false information on a credit report. 

Under 15 U.S.C. 6802, I have the legal right to opt out of the sharing of my non-public personal information ( NPI ) at any time. Despite this, the CRAs have failed to honor my opt-out request and continue to use and share my data without my permission.

Lawful Right to Opt-Out : According to 12 C.F.R. 1016.10, consumers can opt out of the sharing of their information with third parties at any time, regardless of any prior authorizationswritten, verbal, implied, or otherwise.

Under 15 U.S.C. 6801, it is unlawful for any financial institution or Credit Reporting Agency ( CRA ) to report transaction history without my explicit consent. Congress has made it clear that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to safeguard the security and confidentiality of their non-public personal information ( NPI ).

Violation : the CRAs have illegally reported my transaction history without my knowledge or consent. This is a clear breach of their statutory obligations under the Gramm-Leach-Bliley Act ( GLBA ) and related provisions of the FCRA.

Privacy Obligation : Under 15 U.S.C. 6801 ( b ), financial institutions are required to implement safeguards to ensure the privacy of their customers ' information. Reporting transaction history without proper authorization violates these obligations.

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 2024-12-01 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:
I am filing this complaint against the Credit Reporting Agencies ( CRAs ) for the following violations : Fraudulent Reporting of Charged-Off Accounts Failure to Honor Opt-Out Rights Under FCRA ( 15 U.S.C. 6802 ) CRAs are illegally reporting charged-off accounts on my credit report. A charged-off account is classified as income when reported to the IRS on a 1099-C form. According to the Fair Credit Reporting Act ( FCRA ), income can not legally be reported as a debt on a credit report. 

Violation : Reporting these charged-off accounts as debts is misleading, inaccurate, and against federal law under 15 U.S.C. 1681c ( a ), which prohibits the reporting of false information on a credit report. 

Under 15 U.S.C. 6802, I have the legal right to opt out of the sharing of my non-public personal information ( NPI ) at any time. Despite this, the CRAs have failed to honor my opt-out request and continue to use and share my data without my permission. 

Lawful Right to Opt-Out : According to 12 C.F.R. 1016.10, consumers can opt out of the sharing of their information with third parties at any time, regardless of any prior authorizationswritten, verbal, implied, or otherwise. 


Under 15 U.S.C. 6801, it is unlawful for any financial institution or Credit Reporting Agency ( CRA ) to report transaction history without my explicit consent. Congress has made it clear that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to safeguard the security and confidentiality of their non-public personal information ( NPI ). 

Violation : the CRAs have illegally reported my transaction history without my knowledge or consent. This is a clear breach of their statutory obligations under the Gramm-Leach-Bliley Act ( GLBA ) and related provisions of the FCRA.

Privacy Obligation : Under 15 U.S.C. 6801 ( b ), financial institutions are required to implement safeguards to ensure the privacy of their customers ' information. Reporting transaction history without proper authorization violates these obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year>, opened an investigation with XXXX  XXXX  for a debt reporting from LVNV FUNDING LLC {$15000.00}. The dispute was closed with no further details. I call XXXX XXXX and they had no further details either but they did provide me with a contact number. I called LVNV FUNDING on XXXX XXXX at XXXX asking for details of debt. I was told the debt was for a Business account XXXX XXXX XXXX XXXX XXXX. I then asked for them to send validation or details in writing. I was then referred to their website. Why is this business account being reported to my personal credit and why cant I have written validation via mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NJ

Complaint narrative:
XXXXXXXX XXXX  Account number XXXX has been reported as a victim of fraud. attached is a copy of my credit report rcra 605B proof of identity and FTC Report Number : XXXX you are legally required to block/ delete these accounts within 4 days of recieveing this

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$700.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$700.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One bank is claiming that I owe {$610.00} and I would like a 1099C

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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 am writing to dispute the presence of a credit card account on my credit report that I did not open. The account in question is a [ Current Card ], listed as opened on XX/XX/year>. I have no knowledge of this account and am certain I never applied for or opened it. Additionally, the report indicates the card has never been used. 

Given this, I believe the information is inaccurate and would like this account removed from my credit history. Please investigate this matter and correct my credit report accordingly. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
According to IRS guidelines, an unpaid charge-off qualifies as income, and under the FCRA, income should not appear on a credit report. I am formally requesting a 1099-C ( Cancellation of Debt ) for the charged-off accounts listed below :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Fraudulent Reporting of Charge-Offs as Debt The reporting of charge-offs on my credit report is fraudulent and misleading. According to IRS regulations, charge-offs are classified as income on a 1099-C form when reported to the IRS. Per federal law, income can not be reported as debt on a consumer credit report.

Violation : Reporting charge-offs as debt breaches the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate information.

Breach of Fiduciary Duty : Ignoring My Letters and Durable Power of Attorney ( DPOA ) I have sent multiple letters asserting my rights, including a Durable Power of Attorney ( DPOA ), which has been ignored by upgrade and Victoria secret By failing to respond, these entities have violated their fiduciary obligations and undermined my rights to assert my interest in the credit.

Legal Precedent : Grimes v. White establishes that promissory notes fully fund credit, rendering the consumer the true creditor. As the creditor, I retain rights and interests in the credit and demand acknowledgment of the same.

3. Failure to Disclose Securitization of Promissory Notes It has come to my attention that the promissory notes I provided to Upgrade and Victoria Secret were securitized and sold without my knowledge or consent. This failure to disclose constitutes fraud and unjust enrichment.

Violation : Under 15 U.S.C. 1641 ( Truth in Lending Act - TILA ), lenders are required to disclose the sale, assignment, or transfer of debt instruments to third parties.

Fraudulent Omission : By securitizing my promissory notes and profiting from the proceeds, without compensating me as the original creditor, XXXX and Victoria Secret have committed fraud. 


4. Non-Compliance with Audit Reporting and GAAP Standards Under federal law and Generally Accepted Accounting Principles ( GAAP ), financial institutions are required to provide accurate audit reports and account reconciliations.

Legal Obligation : 12 U.S.C. 1831n ( a ) mandates compliance with GAAP standards for all financial institutions.

15 U.S.C. 1637 ( TILA ) requires creditors to provide clear and accurate account information. 
Violation : XXXX and Victoria Secret have failed to provide audit reports and reconcile accounts as requested. Their lack of transparency further suggests that the reporting of charge-offs is fraudulent and unsupported by proper accounting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
Equifax is reporting XXXX inquiries that I have not given them permission to release any of my personal information or given permission to these companies to access my personal information. Its a direct violation of my consumer protection rights. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Not sure about anything on the XXXX  XXXX  account and XXXX  XXXX  still shows up with no proof of the letter from my chapter XXXX  Trustee off. Attached a screenshot shot all legal departments will be sent this complete to.

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 2024-12-01 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 2024-12-01 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: NJ

Complaint narrative:
I am writing to dispute on my credit report. According to the fair credit reporting act ( FCRA ) section 605B. it is illegal to report information on my credit report without my permission. Please remove this item from my report. 


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

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