vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Formal Demand of 1099-C disclosure Immediate Cessation of Collection Activities for the accounts listed above. I am requesting that you immediately provide documentation confirming whether a IRS form 1099-C has been issued for the account by either your agency as the current debt owner or the original creditor prior to sale of transfer. Under IRS regulations ( 26 U.S.code 605 0P ), if a debt in excess of {$600.00} has been canceled or forgiven a 1099-C must be filed with the internal revenue service .If such a form has already been issued regarding these accounts, any attempt to collect the alleged that may constitute fraud and a violation of federal law, including misrepresentation under the FDCPA and potential tax violations.If a 1099-C has been issued you must immediately cease all collection efforts remove any tradeline or remark from my credit report that conflicts with the debt cancellation status and confirm in writing that no further attempts to collect will be made.

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 2025-07-18 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: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
I lost me wallet and ID/passport several times in XXXX XXXX and XXXX XXXX XXXX Since then I have had several attempts to use my credit and obtain credit cards/ car loans/ mortgages/ student loans and department store credit. 
This year alone, i have seen over {$15000.00} used on my credit profile, by me viewing my credit report. such accounts as : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX automotive credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXautomotive credit 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 explanation
Consumer complaint received 2025-07-18 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I lost me wallet and ID/passport several times in XXXX XXXX and XXXX XXXX XXXX Since then I have had several attempts to use my credit and obtain credit cards/ car loans/ mortgages/ student loans and department store credit. 
This year alone, i have seen over {$15000.00} used on my credit profile, by me viewing my credit report. such accounts as : - XXXXXXXX XXXX ( credit card ) - XXXX XXXX  ( car loan ) XXXX ( student loan ) XXXX XXXX XXXX XXXX ) XXXX ( credit card ) XXXX XXXX XXXX XXXXXXXX ( home ) XXXX XXXXXXXX ( HOME ) XXXX XXXX XXXXXXXX XXXX  -DEPT OF EXXXX ( STUDENT LOAN XXXX XXXX XXXX  ( HOME ) Address - XXXX XXXX XXXX XXXX XXXX NV - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX nv XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX NV INQUIRES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have noticed some inaccurate eateries on my personal information and would like it update immediately. Only the name XXXX XXXX XXXX Is my correct name. The names L XXXX XXXX and XXXX  XXXX XXXX must be removed as they are incorrect and do not lawfully identify me. Employers the following employers EMPLOYERS XXXX XXXX XXXX And XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Addresses. Only the address XXXX XXXX XXXX XXXX, OHXXXX  Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXX XXXX XXXX XXXX, OHXXXX and XXXX XXXX XXXX XXXX, OHXXXX  They must be removed 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have noticed some inaccurate eateries on my personal information and would like it update immediately. Only the name XXXX XXXX XXXX Is my correct name. The names L XXXX XXXX and XXXX  XXXX XXXX must be removed as they are incorrect and do not lawfully identify me. Employers the following employers EMPLOYERS XXXX XXXX XXXX And XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Addresses. Only the address XXXX XXXX XXXX XXXX, OHXXXX  Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXX XXXX XXXX XXXX, OHXXXX and XXXX XXXX XXXX XXXX, OHXXXX  They must be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
I have two XXXX XXXX credit card accounts that were charged off in XXXX. I entered into payment arrangements with XXXX XXXXXXXX in late XXXX, and have made XXXX consecutive monthly payments through the law firm Patenaude & Felix, which XXXX XXXX directed me to after I had trouble accessing their own online payment system. 

Despite nearly four years of regular payments, both accounts continue to be reported inaccurately to credit bureaus as " charged off '' with static, past-due balances and no recognition of the repayment arrangements. My XX/XX/XXXXXXXX XXXX  credit report still lists balances of {$11000.00} and {$11000.00}, with no indication of the active payment plans or my good-faith repayment. 

I have repeatedly requested written confirmation of my account status and balance from both XXXX XXXX and Patenaude & Felix. Patenaude & Felix refused twice to provide written confirmation, saying they would only speak by phone. XXXX XXXX also declined to provide documentation after multiple calls. 

I filed formal disputes with all three credit bureaus in XX/XX/XXXX. All responded that XXXX XXXX had verified the inaccurate information as correct, and no corrections were made. 

I believe this violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to provide accurate and complete data. This ongoing misreporting has caused substantial credit harm and led to denials of credit. I have supporting emails, credit reports, payment confirmations, and correspondence on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Have Collections from XXXX Separate companies due to identity theft. My name is spelled XXXX different ways. I have SEVERAL INQUIRIES that I know absolutely NOTHING ABOUT. Old information that should not be reported any longer. A Bunch of phone numbers that needs to be deleted. 
Address I never knew existed. 
I NEED 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 2025-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This account does not belong to me and was opened without my authorization. Based on the information available, I have reason to believe it may be the result of a data breach. To address this matter, I have already completed and submitted an identity theft report with the Federal Trade Commission ( FTC ) and initiated a fraud alert through the credit reporting agencies. 

Details of the Unauthorized Account : Creditor XXXX XXXX XXXX XXXX Account XXXX ( partial XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Current Status : Charged Off Balance : {$690.00} Date Closed : XX/XX/XXXXXXXX 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 2025-07-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-18 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: SC

Complaint narrative:
Experian has failed to complete a reasonable reinvestigation of three tradelines within the 30day window required by FCRA 611, despite my providing full documentation. They acknowledged my dispute but responded only that they had insufficient information, then took no further action. 

XXXX XXXX XXXX XXXX XXXX I sent my dispute letter disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX delinquency from XXXX ( over XXXX old ) About a XXXX weeks later Experian replied, XXXX FCRA611 ( a ) ( 3 ) ( A ) and saying Id provided insufficient information to investigate.

Experian has neither : Verified the items with the furnishers and provided proof, nor Deleted or corrected the inaccurate or legally obsolete information. 

Verified the items with the furnishers and provided proof, nor Deleted or corrected the inaccurate or legally obsolete information. 

Legal Violation Under FCRA 611 ( a ), Experian must complete its reinvestigation within 30days of receiving my dispute, and if it can not verify an item it must delete it. Their stonewall reply and subsequent inaction constitute a violation of federal law.

Require corrective action on my credit report and furnish notifications to downstream users.

Consider enforcement action for Experian pattern of noncompliance.

Attachments Copy of my original dispute letter All supporting documents : ID, address proof. 
Experian 's insufficient information response.

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 2025-07-18 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: SC

Complaint narrative:
XXXX a servicer for Federal School Loans have been posting in my credit reports inaccurate information. I have asked Experian and XXXX to remove it and they are refusing to do it. The following information have been entered in the reports. They have reported in Experian and in one account in XXXX  credit bureaus 90-day late payments in XXXX of XXXX. However, in Equifax it is reported " OK ''. As per METRO2, FCRA and CDIA it is the duty of XXXX to report correct and accurate information. Therefore, all of these reporting is illegal as per FCRA 623 and 15 U.S. Code 1681. The FCRA prohibits " Reporting information with actual knowledge of errors '' The reporting has to be identical in all bureaus. Obviously, XXXX has inaccurate information, and it is illegally reporting in the credit bureaus and nobody is removing these wrong and incorrect information. Curshman v. Transunion in XXXX it was the congressional opinion that the burden of proof is on Credit Bureaus, Creditors and Collectors. Experian and XXXX  are violating the law. Please apprehend them and make them delete this wrong information.

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 2025-07-18 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: SC

Complaint narrative:
XXXX a servicer for Federal School Loans have been posting in my credit reports inaccurate information. I have asked XXXX and Transunion to remove it and they are refusing to do it. The following information have been entered in the reports. They have reported in XXXX  and in one account in TransUnion credit bureaus 90-day late payments in XXXX of XXXX. However, in XXXX it is reported " OK ''. As per METRO2, FCRA and CDIA it is the duty of XXXX  to report correct and accurate information. Therefore, all of these reporting is illegal as per FCRA 623 and 15 U.S. Code 1681. The FCRA prohibits " Reporting information with actual knowledge of errors '' The reporting has to be identical in all bureaus. Obviously, XXXX has inaccurate information, and it is illegally reporting in the credit bureaus and nobody is removing these wrong and incorrect information. Curshman v. Transunion in XXXX it was the congressional opinion that the burden of proof is on Credit Bureaus, Creditors and Collectors. XXXX and TransUnion are violating the law. Please apprehend them and make them delete this wrong information.

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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This is the 2nd time that Bank of America took money out of my account and stated that this was to pay an old closed account. I have never heard of this so essentially they are stealing my funds without authorization. I want it put back immediately. If I owe anything they can send it to my address on 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 2025-07-18 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: Absolute Resolutions Corp.
State: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX XXXX XXXX XXXX  Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 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: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-07-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX [ XXXX Last XXXX Digits : XXXX [ Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX  GA XXXX RE : Fraudulent Account Dispute XXXXXXXX XXXX  ( {$1400.00} ) To Whom It May Concern, I am formally disputing a fraudulent account being reported on my Equifax credit report by XXXXXXXX XXXX in the amount of {$1400.00}. I have never opened or authorized this account. It is a result of identity theft. 
Pursuant to 15 U.S.C. 1681c-2, I am exercising my right to request the permanent blocking and removal of all information related to this fraudulent account. I have attached the following documentation in accordance with the FCRAs identity theft provisions : Police Report for Identity Theft FTC Identity Theft Affidavit Report Government-issued Photo ID Social Security Card Additionally, under 18 U.S.C. 1028A, aggravated identity theft is a federal crime. Continuing to report fraudulent data after being properly notified may constitute willful noncompliance with the FCRA, subject to civil liability under 15 U.S.C. 1681n and 1681o. 
This account must be immediately and permanently deleted from my Equifax credit report. I demand that you block all future reporting and confirm removal in writing as required by 15 U.S.C. 1681i ( a ) and 1681c-2 ( c ). 
Failure to comply will result in formal complaints filed with the CFPB, FTC, and State Attorney Generals Office. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief