vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
XX/XX/year> Subject : Request for Verification of Accounts Under Section 609 FCRA Dear Credit Bureau, I am writing to formally dispute and request verification of the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) Section 609. According to the FCRA, I am entitled to full disclosure of the records and sources used to report these accounts. If you can not verify them, they must be removed immediately from my credit file. 
The following accounts require verification : [ XXXX XXXX ] Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I am requesting the following : A copy of the original signed contract or agreement proving I authorized these accounts. 


The method used to verify the accounts. 


The name and contact information of the entity that verified them. 


Under the Fair Credit Reporting Act ( 15 U.S. Code 1681g & 1681i ), if you can not provide proper verification, the disputed items must be deleted from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

As proof of identity, I have attached a copy of my government-issued ID.

I expect a response within 30 days as required by law. Please send all correspondence regarding this dispute to my address above.

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 2025-03-22 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: PA

Complaint narrative:
I am submitting this formal complaint regarding the account listed as DPT EDXXXX on my credit report. This account, which was opened in XX/XX/XXXX and closed in XX/XX/XXXX, is still being reported by all three credit bureaus with an active payment history and current status, despite a {$0.00} balance and no activity since its closure. 
This is a direct violation of the Fair Credit Reporting Act 605 ( a ) ( 5 ), which limits the reporting of closed/paid accounts to 7 years from the date of last activity. Additionally, the inconsistent language between the three bureaus regarding comments/status also violates FCRA 623 ( a ) ( 1 ) ( A ) which mandates that all information provided must be accurate and consistent. 
Furthermore, if recent revelations are true that XXXX XXXX and DOGE ( Department of Governmental Engineering ) were given unauthorized access to educational records this is a violation of FERPA, which protects the privacy of student loan data. 
I am requesting immediate deletion of this outdated and inaccurately reported account from all three credit bureaus : TransUnion, Experian, and Equifax. If the account is not deleted, I request a full reinvestigation with a copy of the method of verification, along with the name, contact information, and authorization of the original creditor. 

XXXX XXXX XXXXXXXX https : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: OH

Complaint narrative:
Subject : Dispute Reinserted Accounts in violation of 15 USC 1681i ( 2 ) a Account number XXXX I am writing in regards to accounts placed on my credit profile that I have no knowledge of nor have I given any written consent for them to be furnished. The accounts listed above were investigated, deemed unverifiable and removed from my credit report. I checked my credit report and noticed these accounts have been placed back on my credit profile. By doing so, your company has violated my consumer rights. Your company has the responsibility of reporting maximum accuracy to my credit report and following protocol. Under FCRA, these accounts can not be reinserted into my consumer profile without written notice within 5 business days, which is now in violation of 15 USC 1681i ( 2 ) A. Not only was I never notified but your company has violated multiple of my consumer rights under the FCRA. 
Reporting accounts that I have not given any written permission is in violation of 15 USC 1681 Furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 Failing to report maximum accuracy to consumer profile is in violation of 15 USC 1681 ( E ) B Please note that your company has failed to complete your due diligence by furnishing accounts without complete verification and reporting inaccurate information more than once. Your company has a legal obligation to the protection and privacy of my legal information. Please delete the accounts immediately. 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 account named XXXX XXXX  account number XXXX opened on XXXX of XXXX. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account that is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this formal complaint against Equifax Credit Bureau due to their failure to conduct a proper investigation regarding XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX submitted disputes and their blatant disregard for their legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite my previous request for an investigation into multiple inaccurate accounts on my credit report, Equifax has not provided any substantive evidence that an actual investigation took place within the legally mandated 30-day period. In my last dispute on XX/XX/XXXX, I demanded they send me proof within 15 days, and I have received nothing! 

As per FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax is required to provide specific details of their investigation, including verifiable proof supporting the accuracy of the disputed accounts. Instead, I received a generic, template response that failed to address my specific dispute. This is a clear violation of my consumer rights and Equifaxs legal obligations.

The following accounts remain improperly verified and needs to be removed immediately : XXXX XXXX  ( Account Number XXXX XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX  ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) Equifaxs failure to reinvestigate and provide documented evidence of verification is a direct violation of 15 U.S.C. 1681s-2 ( b ). Since they have not complied with their legal duty, I demand the immediate removal of these accounts from my credit report. Furthermore, I am seeking monetary damages for their failure to comply with federal regulations, as structured under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which allow for statutory and punitive damages for willful and negligent noncompliance.

Equifaxs continued negligence in handling my dispute has caused unnecessary harm to my credit profile and financial standing. Therefore, I am requesting immediate intervention from the CFPB to enforce compliance and hold Equifax accountable. I expect written confirmation of the resolution to this complaint within the legally required timeframe. 

If this matter is not promptly addressed, I will escalate further by filing additional complaints with the Federal Trade Commission ( FTC ), my states Attorney General, and pursuing legal action for damages caused by their failure to comply with federal law. 

I appreciate your immediate attention to this serious matter and look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are unrecognizable accounts that I found listed on my credit report. The accounts listed need to be removed, I do not have any knowledge of their existence. Also it seems to me that my information has been shared without my authorization, based on my credit report. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. The items reported are 100 % incorrect, I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please again, I am politely requesting the removal of the items listed on this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy Here is the item I am asking you verify as accurate. 

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 2025-03-22 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: PA

Complaint narrative:
I am formally requesting a full investigation and deletion of the account listed under " DPT EDXXXX '' with the account number ending in XXXX, reported by TransUnion, Experian, and Equifax. 

Reason for Complaint : This account is inaccurately reported and has caused significant harm to my credit profile. Although the account is listed as paid/closed with a {$0.00} balance, the payment history reflects severe derogatory marks including 120+ day lates and collections that are inconsistent and misleading, especially since the balance is reported as paid and current. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) and fails to meet the standard of maximum possible accuracy as required under federal law. The inconsistency in the reporting across bureaus also points to a lack of verifiable and consistent data. 

Additionally, the derogatory remarks persist on my reports long after the resolution of the account. According to 15 U.S. Code 1681c ( a ) ( 5 ), obsolete information should be removed, particularly if the account has no balance and was last reported in XXXX. It is XXXX. 

I am demanding the immediate deletion of this account from all three credit reporting agencies : TransUnion, Experian, and Equifax. 

Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE were given unprecedented access to vast amounts of educational data including DEPTED/XXXX  records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report. 
I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: VA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have several accounts on my credit report that I put into dispute that were immediately marked as disputed and verified information. I asked for details on their verification process and was not provided with details.

a major credit reporting agency, conducts " sham investigations '' when consumers dispute errors on their credit reports, rather than conducting proper, reasonable investigations as required by the Fair Credit Reporting Act ( FCRA )

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have several accounts on my credit report that I put into dispute that were immediately marked as disputed and verified information. I asked for details on their verification process and was not provided with details.

a major credit reporting agency, conducts " sham investigations '' when consumers dispute errors on their credit reports, rather than conducting proper, reasonable investigations as required by the Fair Credit Reporting Act ( FCRA )

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 2025-03-22 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: FL

Complaint narrative:
Potential Tax Fraud & Request for 1099-C Form and Correction of Credit Reporting Errors To Whom It May Concern : I am writing to formally dispute the reporting of my XXXX XXXX account ( # XXXX ) and to request immediate issuance of the required IRS Form 1099-C for the charged-off debt listed on my credit reports. This account opened on XX/XX/XXXX, has been inaccurately reported to XXXX, XXXX, and Equifax as a derogatory charge-off with a balance of {$4900.00}, which violates Generally Accepted Accounting Principles ( GAAP ) and federal tax requirements. 
Key Discrepancies and Violations : 1. Failure to Issue IRS Form 1099-C : Per IRS regulations ( 26 U.S.C. 6050P ), creditors must issue a 1099-C form when a debt of {$600.00} or more is canceled, settled, or charged off. XXXX XXXX has not provided this form despite reporting the account as " charged off '' and " unpaid balance reported as a loss '' to the credit bureaus. This omission constitutes potential tax fraud, as the IRS requires accurate reporting of discharged debts. 
2. GAAP Violation : GAAP mandates that financial reporting must reflect accurate and consistent information. By continuing to report a charged-off debt as an active liability without issuing a 1099-C, XXXX XXXX violates the matching principle, which requires expenses ( charge-offs ) and income ( debt cancellation ) to be recorded in the same period. This misrepresentation harms my creditworthiness and violates fair reporting standards. 
3. Inconsistent Credit Reporting : - Last Reported Dates : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) show conflicting " last reported '' dates. 
- Date Last Active** : Discrepancies exist between bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 
- Status : The account is inaccurately labeled as " derogatory '' despite being charged off, which should remove it from active liability status. 
Requested Actions : 1. Immediately issue IRS Form 1099-C for the charged-off debt to comply with federal tax obligations. 
2. Correct credit bureau reporting to reflect the charge-off in accordance with GAAP and the Fair Credit Reporting Act ( FCRA ). The account must be updated to a {$0.00} balance with a closed status. 
3. Provide written confirmation of these corrections and a copy of the 1099-C form within 30 days. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
Potential Tax Fraud & Request for 1099-C Form and Correction of Credit Reporting Errors To Whom It May Concern : I am writing to formally dispute the reporting of my XXXX XXXX account ( # XXXX ) and to request immediate issuance of the required IRS Form 1099-C for the charged-off debt listed on my credit reports. This account opened on XX/XX/XXXX, has been inaccurately reported to XXXX, Experian, and XXXX as a derogatory charge-off with a balance of {$4900.00}, which violates Generally Accepted Accounting Principles ( GAAP ) and federal tax requirements. 
Key Discrepancies and Violations : 1. Failure to Issue IRS Form 1099-C : Per IRS regulations ( 26 U.S.C. 6050P ), creditors must issue a 1099-C form when a debt of {$600.00} or more is canceled, settled, or charged off. XXXX XXXX has not provided this form despite reporting the account as " charged off '' and " unpaid balance reported as a loss '' to the credit bureaus. This omission constitutes potential tax fraud, as the IRS requires accurate reporting of discharged debts. 
2. GAAP Violation : GAAP mandates that financial reporting must reflect accurate and consistent information. By continuing to report a charged-off debt as an active liability without issuing a 1099-C, XXXX XXXX violates the matching principle, which requires expenses ( charge-offs ) and income ( debt cancellation ) to be recorded in the same period. This misrepresentation harms my creditworthiness and violates fair reporting standards. 
3. Inconsistent Credit Reporting : - Last Reported Dates : XXXX ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ) show conflicting " last reported '' dates. 
- Date Last Active** : Discrepancies exist between bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 
- Status : The account is inaccurately labeled as " derogatory '' despite being charged off, which should remove it from active liability status. 
Requested Actions : 1. Immediately issue IRS Form 1099-C for the charged-off debt to comply with federal tax obligations. 
2. Correct credit bureau reporting to reflect the charge-off in accordance with GAAP and the Fair Credit Reporting Act ( FCRA ). The account must be updated to a {$0.00} balance with a closed status. 
3. Provide written confirmation of these corrections and a copy of the 1099-C form within 30 days. 
Sincerely,

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 2025-03-22 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: PA

Complaint narrative:
I am submitting this formal complaint regarding the account listed as DPT EDXXXX on my credit report. This account, which was opened in XX/XX/XXXX and closed in XX/XX/XXXX, is still being reported by all three credit bureaus with an active payment history and current status, despite a {$0.00} balance and no activity since its closure. 
This is a direct violation of the Fair Credit Reporting Act 605 ( a ) ( 5 ), which limits the reporting of closed/paid accounts to 7 years from the date of last activity. Additionally, the inconsistent language between the three bureaus regarding comments/status also violates FCRA 623 ( a ) ( 1 ) ( A ) which mandates that all information provided must be accurate and consistent. 
Furthermore, if recent revelations are true that XXXX XXXX and DOGE ( Department of Governmental Engineering ) were given unauthorized access to educational records this is a violation of FERPA, which protects the privacy of student loan data. 
I am requesting immediate deletion of this outdated and inaccurately reported account from all three credit bureaus : TransUnion, Experian, and Equifax. If the account is not deleted, I request a full reinvestigation with a copy of the method of verification, along with the name, contact information, and authorization of the original creditor. 

XXXX XXXX XXXXXXXX https : 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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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