vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress by inaccurately representing my credit history and responsibilities. These fraudulent items have hindered my ability to achieve important financial goals, such as purchasing a home and meeting my family 's needs. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

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 2025-08-12 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: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress by inaccurately representing my credit history and responsibilities. These fraudulent items have hindered my ability to achieve important financial goals, such as purchasing a home and meeting my family 's needs. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

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 2025-08-12 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: CA

Complaint narrative:
Despite my repeated efforts to dispute the fraudulent, inaccurate, and misleading information appearing on my consumer report, these items continue to remain unresolved. The presence of this unauthorized information has caused me considerable stress and financial hardship, as I never consented to or authorized the association of these accounts with my personal information. As a victim of identity theft, I require immediate assistance in removing these damaging entries that do not reflect my actual credit history or financial behavior.

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 2025-08-12 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: CA

Complaint narrative:
Despite my repeated efforts to dispute the fraudulent, inaccurate, and misleading information appearing on my consumer report, these items continue to remain unresolved. The presence of this unauthorized information has caused me considerable stress and financial hardship, as I never consented to or authorized the association of these accounts with my personal information. As a victim of identity theft, I require immediate assistance in removing these damaging entries that do not reflect my actual credit history or financial behavior.

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 2025-08-12 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: FL

Complaint narrative:
Subject : XXXX Inaccurate/Inconsistent Reporting on Paid/Closed Auto Loan Complaint : I am filing this complaint to report inaccurate, inconsistent, and misleading reporting by XXXX regarding my auto loan account ending in XXXX. This account has been paid in full and closed, yet derogatory and conflicting information remains on my credit reports. 

Facts and discrepancies from my credit reports : Account Status XXXX  : Positive / Paid Experian : Negative / Closed XXXX  : Negative / Closed Date Closed XXXX  : No close date listed Experian & XXXX  : XX/XX/XXXX Last Activity XXXX  & Experian : XX/XX/XXXX XXXX  : XX/XX/XXXX Last Reported Date XXXX  : XX/XX/XXXX Experian : XX/XX/XXXX XXXX  : XX/XX/XXXX Payment History Conflicts Experian shows a XXXX late in XX/XX/XXXX. 

XXXX  shows a XXXX late in XX/XX/XXXX. 

XXXX  shows no late payments for those months. 

Account Description and Creditor Type XXXX  : Auto Financing / Joint / Paid Experian : Personal Loan Companies/ Joint / Closed XXXX  : Auto Financing / Joint / Closed Laws Violated FCRA ( 15 U.S.C. 1681 et seq. ) : 1681e ( b ) Failure to maintain maximum possible accuracy in consumer reports.

1681i ( a ) Failure to conduct a reasonable reinvestigation after dispute.

1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or that should be known to be inaccurate. 
1681s-2 ( a ) ( 2 ) Duty to update and correct information so it is not misleading.

1681s-2 ( b ) Duty to inve
stigate and correct after receiving notice of dispute from a CRA.

Regulation V ( 12 C.F.R. 1022 Furnisher Rule ) : 1022.42 ( b ) Duty to have reasonable written policies to ensure accuracy and integrity of furnished data.

1022.43 Duties upon direct disputes, including correcting or deleting inaccurate information. 

Harm caused : Continued reporting of late payments on a paid/closed account is misleading and damages my creditworthiness. 

Conflicting status, dates, and payment history across bureaus show inadequate data integrity and lack of reasonable dispute 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 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute a fraudulent account reported in my name. I have no connection to this account, and it is causing harm to my credit record.

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 2025-08-12 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: AL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I have been using First Hawaiian Bank since XXXX XXXX since I have been using them my XXXX account got wired to my first Hawaiian and since then I have never received any money from XXXX in my bank account paid hundreds in overdraft fees!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A fraudulent account is being reported under my credit file without my consent or authorization. This is not a legitimate debt, and I have no connection to it. The continued reporting of this false account damages my credit profile and personal reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am submitting this complaint pursuant to my rights under the Dodd-Frank Wall Street Reform and Consumer Protection Act, 12 U.S.C. 5511, to report the ongoing unlawful conduct of XXXX XXXX XXXX Bank, Pentagon Federal Credit Union and XXXX XXXX regarding the reporting of charged-off accounts to consumer reporting agencies without issuing the federally required IRS Form 1099-C ( Cancellation of Debt ). 

- A charge-off under the creditors own accounting and 26 U.S.C. 6050P triggers an identifiable event for cancellation of debt purposes. 
- The Internal Revenue Code, 26 U.S.C. 6050P, mandates that an applicable entity must file an information return ( Form 1099-C ) with the IRS when {$600.00} or more of debt is canceled, and must furnish a copy to the debtor by XX/XX/XXXX of the year following the cancellation. 
- The Internal Revenue Manual ( IRM ) 4.10.12.2.4 defines cancellation of debt as an identifiable event, including but not limited to charge-off of a debt, which requires information reporting. 
- No IRS Form 1099-C was issued or furnished to me by the above-named creditor ( s ) despite these charge-offs having occurred some more than 12 months ago. 

LAWS AND REGULATIONS VIOLATED - 26 U.S.C. 6050P ( a ) - 26 C.F.R. 1.6050P-1 ( b ) ( 2 ) ( i ) ( C ) - IRM 4.10.12.2.4 ( 2 ) ( b ) - 26 U.S.C. 7434 ( a ) - Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) The failure to issue a Form 1099-C has deprived me of : - Accurate tax reporting to the IRS ; - The ability to properly report and resolve the alleged obligation under federal tax law ; - The correction of my consumer credit reports to accurately reflect the discharge or cancellation of the debt.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc.
State: SC

Complaint narrative:
I am submitting this complaint pursuant to my rights under the Dodd-Frank Wall Street Reform and Consumer Protection Act, 12 U.S.C. 5511, to report the ongoing unlawful conduct of XXXX XXXX XXXX Bank, XXXX XXXX XXXX XXXX and SUNBIT Inc regarding the reporting of charged-off accounts to consumer reporting agencies without issuing the federally required IRS Form 1099-C ( Cancellation of Debt ).

- A charge-off under the creditors own accounting and 26 U.S.C. 6050P triggers an identifiable event for cancellation of debt purposes.

- The Internal Revenue Code, 26 U.S.C. 6050P, mandates that an applicable entity must file an information return ( Form 1099-C ) with the IRS when {$600.00} or more of debt is canceled, and must furnish a copy to the debtor by XX/XX/XXXX of the year following the cancellation. 
- The Internal Revenue Manual ( IRM ) 4.10.12.2.4 defines cancellation of debt as an identifiable event, including but not limited to charge-off of a debt, which requires information reporting.

- No IRS Form 1099-C was issued or furnished to me by the above-named creditor ( s ) despite these charge-offs having occurred some more than 12 months ago.

LAWS AND REGULATIONS VIOLATED - 26 U.S.C. 6050P ( a ) - 26 C.F.R. 1.6050P-1 ( b ) ( 2 ) ( i ) ( C ) - IRM 4.10.12.2.4 ( 2 ) ( b ) - 26 U.S.C. 7434 ( a ) - Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) The failure to issue a Form 1099-C has deprived me of : - Accurate tax reporting to the IRS ; - The ability to properly report and resolve the alleged obligation under federal tax law ; - The correction of my consumer credit reports to accurately reflect the discharge or cancellation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/2025, my XXXX credit report was hit with a derogatory account with {$100.00} debt reported by I.C. System Inc, which is a debt collection company. This is not my debt/account. I called I.C. System Inc. and they told me that some one with similar name ( not the same name ) did not return cable/internet equipment back to XXXX for the time period XXXX. I told I.C. System that I've never used XXXX  XXXX. More importantly, our first names are different. I.C. System further provided the XXXX  XXXX  address, which is different from my address. I.C. System did not even verify the account prior to reporting to the credit bureau. 

On XX/XX/2025, I.C. System continued to send another collection letter to me collecting this debt, which I already told them they got the wrong person. 

I have sent another letter to I.C. System and filed a fraud claim with XXXX, including filing a policy report. I've spent so much time, energy and money on this matter caused by I.C. System and 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 2025-08-12 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-12 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: VA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and
fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : 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