vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, I formally requested EQUIFAX to block and remove these unauthorized accounts from my credit report. The fraudulent account includes : XXXX Account Number : XXXX Despite my request and my legal right to have this account removed, EQUIFAX has failed to take proper action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. Additionally : 15 U.S.C. 1681i mandates a reinvestigation and removal of unverifiable information. 
15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or fraudulent information.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires credit bureaus to notify other agencies of removed fraudulent accounts. 
I have provided all necessary supporting documents, yet EQUIFAX has failed to comply with its obligations under federal law, allowing fraudulent accounts to remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-03-07 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: MO

Complaint narrative:
This letter serves as a formal dispute regarding multiple inaccuracies on my credit report. Despite my previous disputes, these errors remain unresolved, which is not only unacceptable but also a clear violation of the Fair Credit Reporting Act ( FCRA ). As you are well aware, Equifax has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes. I expect full compliance with federal regulations in handling my dispute. Below are the accounts in question : XXXX XXXXXXXX XXXX : Account No : XXXX A charge-off account with an active balance? This is a blatant reporting error. It is concerning that Equifax continues to report inaccurate information on my credit file. I demand the immediate deletion of this account due to its inaccuracy. XXXX XXXX XXXX XXXX : Account No : XXXX This account is reported as a charge-off, yet a balance remains. This contradicts standard reporting guidelines and is a clear violation of the FCRA. Additionally, there is a past due balance reported on an already charged-off account, which is another reporting violation. I demand a full reinvestigation and the immediate removal of this inaccurate account from my credit report. Please be advised that I am keeping detailed records of all correspondence and actions taken regarding this matter. Should Equifax fail to comply with its legal obligations under the FCRA and fail to correct these inaccuracies within the legally required timeframe, I will have no choice but to escalate this matter, including but not limited to filing a formal complaint with the CFPB and pursuing legal action. I trust that Equifax will take this matter seriously and conduct a thorough and lawful reinvestigation of these disputes. I expect a prompt and satisfactory resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I previously requested that my personal information be corrected as there are multiple names in my personal information and multiple addresses that are totally incorrect and I request that it be resolved as soon as possible because it is damaging my 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 explanation
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 
US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$4700.00} US DEPT ED XXXX Balance Owed : {$3800.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$2300.00}

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Account Number : XXXX To Whom It May Concern : I am writing regarding the above-referenced account that has been written off as a bad debt. According to my XXXX credit report dated XX/XX/XXXX, this account is listed as " Charged off as bad debt '' with a balance of {$XXXX}. The report indicates the account was closed and the balance was updated on XX/XX/XXXX, signifying that your institution has XXXX this debt and deemed it uncollectible. 

XXXX Internal Revenue Service ( IRS ) regulations, specifically XXXX XXXX XXXX, financial institutions are required to issue Form XXXX, " Cancellation of Debt, '' when a debt of {$XXXX} or more is canceled or forgiven. This form must be provided to both the debtor and the IRS by XX/XX/XXXX of the year following the calendar year in which the debt was XXXX. 

To date, I have not received a Form XXXX for this XXXX debt. Since this information is necessary for me to properly prepare my tax returns and comply with IRS requirements, I am formally requesting that you : 1. Provide me with a copy of the Form XXXX that should have been issued for this account, or 2. Issue a Form XXXX if one has not yet been prepared, documenting the canceled debt amount and the date of cancellation Additionally, I am requesting that you update my credit report accordingly. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, once a debt has been XXXX and a XXXX has been issued, the account should be reported as " paid '' or " settled '' rather than as an ongoing collection or charge-off. The current reporting is inaccurate and harmful to my credit profile, as it suggests an ongoing obligation that has legally been satisfied through the discharge. 

Please send the requested XXXX documentation to my address listed above and confirm in writing that you have taken steps to correct the credit reporting within XXXX  days of receipt of this letter. If you believe that a Form XXXX is not required in this situation, please provide a written explanation detailing the specific reasons and the relevant exemption under IRS regulations XXXX 

I appreciate your prompt attention to this matter. Proper documentation of this canceled debt and accurate credit reporting are important for both my tax compliance and your institution 's regulatory compliance obligations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX Credit Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am disputing the charge-off status on my account, as I believe the information is incorrect. Please investigate and verify the accuracy of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
Dear CFPB, I am reaching put to you because I copied the letter that I sent to Experian regarding the accounts presented in the email. I need these accounts removed because either the information being provided is fraudulent or the account is reporting frivolous information. However, the credit bureau acts like it doesn't understand this. I am homeless right now and I have no transportation. I want to be in my car. I appreciate everything that you are doing for me. CFPB I need your assistance please. 

Good Morning Experian, I am reaching out to you because I have an issue with certain accounts still being present on my Equifax credit report. I do not know why these accounts are still being reported when they have not provided the necessary documents like a physical signed contract that shows that I agreed to do business with their company. Equifax also has not provided this information to me. I am exercising my ability to preserve my rights under the Uniform Commercial Code 11-1-308 and USC 1-308. The codes states UCC 1-308 is a Uniform Commercial Code ( UCC ) section that states that a party can perform or accept an agreement while reserving their rights. This means that the party will not give up their rights if they perform in a way that the other party demands.

My social security number belongs to the social security administration and anything purchased with this identifier number is an obligation of the United States 18 USC 8 means that anyone attempting to collect a debt from me is guilty of the false claims act ( FCA ), 31 U.S.C. 3729. The following accounts fall into this category : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basically, you need to understand that the above referenced creditors are not reporting the account information correctly. Once again the following acts are being violated the Fair Credit Reporting Act and the Consumer Law Act.

I am also referencing 15 USC 6802 and 15 USC 6801 for charge offs.

I am referencing 15 USC 1692g and 15 USC 1692 c ( c ) for collections.

I am referencing UCC $ 2-302 which is used to remove any negative items like collections, medical debt, student loans, charge offs, and late payments from your credit report whether you owe the debt or not, it can be removed.

I am asking that Experian not violate these rules or regulations as you have been found guilty by the Consumer Financial Protection Bureau of violating laws pertaining to the False claims act yourself. In other words, there should not be any derogatory accounts reporting on my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I previously requested that my personal information be corrected as there are multiple names in my personal information and multiple addresses that are totally incorrect and I request that it be resolved as soon as possible because it is damaging my 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Lvnv Funding LLC attempted to collect a debt of {$1000.00} that I believe is incorrect. I have not received adequate information verification for this debt despite my requests. Please investigate and rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from 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 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Dear XXXX, Thank you for your response. However, I must respectfully disagree with your conclusion that my issue has been resolved. Despite your claim that my ability to purchase and deposit funds was restored on XX/XX/year>, I am still unable to add money via my debit card, contrary to what was communicated to me in your emails. 

Your response references case # XXXX, where you mention that troubleshooting steps were provided and that I declined certain resolution options. However, I would like to clarify the following points : Issue Not Resolved : I am still unable to add funds via my debit card. The problem persists and has not been rectified, as I am unable to perform the transactions I was promised would work. 

Lack of Support Follow-Up : Despite the fact that your team stated my case would be resolved, I have not received any substantial updates or assistance following that response. I have patiently followed up, but the lack of meaningful follow-through or new resolutions has been extremely frustrating. 

Clarification Needed : Your teams suggestion to either follow specific troubleshooting steps or create a new account was neither clear nor practical, and none of these were appropriate solutions to a problem that should have been addressed in my original account. 

Therefore, I kindly request a thorough re-investigation of my case, including any necessary follow-up support from a supervisor or specialist. I also request clarity on why this issue persists despite your teams assertion that restrictions were removed.

I trust that you will take this matter seriously and provide a proper solution, as I have already been waiting for a resolution for quite some time. 

I look forward to your prompt and meaningful response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XXXX of XXXX, XXXX, I checked XXXX XXXX to check the current strength of my credit. And i discovered that 2 different inquiries has been added to my transunion credit bereau. The inquiries are from XXXX XXXX  and XXXX XXXX XXXXXXXX. Both inquiries are were dated for XX/XX/year>. However, I dont know the source of the inquiries. 
After i discovered the inquiries, I reached out to TRANSUNION by a phone call and i made a complaint about the inquiry, whose sources i dont know. And they requested that i should file report with you guys. 
Please investigate the unknown inquiries and remove it immediately because I will need my credit to purchase a home for my family. 
I attached my drivers licence to validate my identity. 
Thanks

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 2025-03-07 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 2AI ) that you, the Equifax credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> balance {$630.00}. Equifax this account is ending in XXXX. XXXX this account number starts with XXXX. XXXX is in violation of 15 USC 1681 2AI and 15 USC 1681b a charge-off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to congress 15 USC 1681 2AI no transaction or experiences are allowed to be on a credit consumer report I never received a 1099c form from the creditor. This account have resulted in fraudulent charge-off/write-off appearing on my consumer FICO credit report. The accounts needs to be deleted immediately for fraud reporting to my credit report and being reported to the IRS. I have attached the needed ID, SS #, proof of address. These items are valid and you will not be allowed to deny my attached docs as proof of ID. You must also provide me with the method of validation as you have denied my last dispute without telling me what ( MOV ) method of validation that was used. You must follow the FCRA laws and delete this for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied for a XXXX XXXX Citi Visa card and was declined. The reason given foe denial was that Citi was included in a bankruptcy filing. This is incorrect as I have not had any Citi credit cards, either directly with them or a store branded card. I asked for reconsideration and was told the same thing.

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