vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and w
illful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NV

Complaint narrative:
I disputed several accounts with Experian and they replied to all of the disputes as such : ( Meets requirement of the Fair Credit Reporting Act ) I do not believe that Experian followed through with a thorough investigation of these accounts and provided no information validating the accounts. 

These debt collectors have reported incorrect information for some time now and have harassed me.

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 2025-01-14 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: OH

Complaint narrative:
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 credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
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 credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For my information that got hacked there was a law sue filed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
On my credit report it keeps showing late payments, but the car has been paid off for years its affecting my credit score and it's making my account look bad

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 2025-01-14 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:
A XXXX XXXX XXXX XXXX  was opened, it seems twice with my information and my checking accounts, and I am now working with the banking accounts I do have access to to recover as much of the money stolen as possible. Have filed an FTC report, have filed police reports. FTC reports are under my name, same as police reports and none of these filings should be closed

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 2025-01-14 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:
A XXXXXXXX XXXX XXXX  account was opened, it seems twice with my information and my checking accounts, and I am now working with the banking accounts I do have access to to recover as much of the money stolen as possible. Have filed an FTC report, have filed police reports. FTC reports are under my name, same as police reports and none of these filings should be closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: ID Analytics, Inc.
State: MI

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: WI

Complaint narrative:
I have been trying to reach this company FoxCollecent for months - they still have not responded to my request and still reporting to my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-14 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Im writing to file a formal complaint regarding a charge-off account that continues to be reported my credit report, despite qualifying as income the IRS guidelines . The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law.

Background : The account in question was charged off by the creditor which legally classifies the balance as canceled debt, and, therefore, taxable income under the internal revenue code ( IRC ) 6050P. According to this provision creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off.

Legal basis of complaint Violation of IRC 6050P : The internal revenue code mandates creditors report canceled debts exceeding {$600.00} to the IRS, and provide the debtor with a 1099-C form. The failure to issue this form not only prevents me from reporting my taxable income, but also raises concerns about the creditors adherence to the federal law.

Fair credit reporting act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charge-off account as delinquent without the legally required 1099-C creates an inconsistency between the IRS classification and the creditors practices, constituting in accurate reporting under the FRCA.

Consumer financial protection act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charge-off account as collectible or delinquent when it should be classified as income and documented through a 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 2025-01-14 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: NY

Complaint narrative:
Dear [ CFPB/FTC ] , I am submitting this report regarding identity theft resulting from data breaches, in accordance with the requirements outlined under 15 U.S.C. 1681, as part of my formal filing with the Federal Trade Commission ( FTC ). The breach, which involved [ brief description of the breach or company involved ], led to the unauthorized access and exposure of my personal and financial information. As a result, I have been the victim of identity theft.

I am requesting that the CFPB and FTC investigate this matter under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the accuracy, privacy, and security of consumer credit information. This includes ensuring that any credit reporting agencies that may have been impacted by the breach take appropriate actions to correct my credit report, mitigate further risk, and comply with their legal obligations to prevent identity theft. 

I request that the CFPB and FTC provide guidance and assistance in resolving this issue, ensuring that appropriate action is taken against those responsible for the breach and that my credit rights are restored. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
For months my credit usage was not being updated and for months I submitted disputes for further assistance, however the most recent submission caused major issues with all reporting agencies due to negligence. I reported that the balances are incorrect and to please update appropriately. However Experian has somehow deleted my account entirely and now my credit is off by XXXX! XXXX abilities to garner support through their so called customer service number and online support as well. I ultimately called my issuing bank to notate that experian screwed up yet again as they did the same thing ( twice ) with my XXXX store credit card which is now closed due to their negligence as well. This has resulted in myself receiving less than competitive rates via the market and in turn has directly cost me money in the physical sense not to mention the mental distress this has had on myself.

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 2025-01-14 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: TN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple dispute letters to XXXX regarding inaccuracies on my credit report. Despite following the proper process and providing detailed explanations, these issues remain unresolved. Below is a summary of the disputed accounts and actions : XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) : Auto Loan opened on XX/XX/XXXX with a {$25000.00} balance. 
Disputed missed and late payments, requested complete payment records and proof of investigation. 
XXXX. XXXX XXXX ( Account # XXXX ) : Account opened on XX/XX/XXXX with an {$8400.00} balance. 
Disputed charge-off status and requested proof of charge-off or update of balance to {$0.00}. 
XXXX XXXX XXXX ( Account # XXXX ) : Revolving account opened on XX/XX/XXXX with a {$300.00} balance Disputed charge-off status and requested proof of charge-off or balance update. 
XXXX. XXXX XXXX ( Account # XXXX ) : Secured Loan opened on XX/XX/XXXX with a {$67.00} balance. 
Disputed late payment history and requested proof of payments made and missed, along with investigation details. 
XXXX XXXX XXXX  ( Account # XXXX ) : Collection account opened on XX/XX/XXXX with a {$1200.00} balance. 
Disputed debt ownership and requested proof from the original creditor that this debt collector owns the debt and has legal authority to collect. 

In all cases, I have not received adequate proof of investigation, payment records, or validation from XXXX or the creditors to support the negative information being reported. This failure to investigate properly violates the Fair Credit Reporting Act. 

I request immediate resolution, including the removal of inaccurate items, correction of any errors, and written confirmation of all actions taken 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 non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I've previously disputed several accounts on my credit report that I believe there were not thoroughly investigated through 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 2025-01-14 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: GA

Complaint narrative:
I've previously disputed several accounts on my credit report that I believe there were not thoroughly investigated through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MO

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. Causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-14 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: MA

Complaint narrative:
I previously disputed reports of accounts with Equifax, which they claimed to have verified on XX/XX/year>. However, I believe that the verification process was not conducted properly. My dispute was not thoroughly investigated, as required by law. 

Actions taken by me : XXXX. I filed a dispute on XX/XX/year> with Equifax regarding XXXX accounts to be late payments as reporting on my credit file. I believe this is a clerical error on either Equifax end or the creditors end. I was expecting a proper investigation and demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating Equifax immediate actions to rectify the said 8 accounts. 


Actions taken by Equifax : XXXX. Equifax responded that the accounts were verified but did not provide adequate details or demonstrate proper review. Refused to mail me proof of all late payments received the furnisher 's response.

Company response to consumer: Closed with explanation