vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.CXXXX XXXX Subject : Complaint Against Experian Regarding Repeated Charge-Off Reporting on XXXX  Account and Failure to Provide 1099-C Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Experian regarding the inaccurate and potentially unlawful reporting of my XXXX  account # XXXX. 

Nature of the Complaint : While shopping for a vehicle, I reviewed my credit report and discovered that this XXXX  account is reported as charged off for nine consecutive monthsfrom XX/XX/XXXXXXXX  through XX/XX/XXXXXXXX  ( XXXX ). 

This repeated monthly reporting of a charge-off is misleading and appears to double-report the derogatory status of the account. A charge-off is a one-time event, not something that should be marked as occurring repeatedly. This type of reporting creates the false impression of multiple charge-offs and further damages my credit profile. 

Additionally, I have never received a 1099-C form, which would be required if the debt had been forgiven or canceled. The absence of this IRS-mandated form raises questions about whether the account has truly been discharged and whether the reporting is legally accurate.

Legal Concerns : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), Experian is required to maintain maximum possible accuracy in the information it provides.

Repeatedly listing a charge-off month after month violates this standard and is misleading to lenders. 

If the debt has been canceled, a 1099-C is required, and failure to issue one may reflect a violation of both IRS and consumer reporting obligations.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted capital one on XX/XX/year>XXXX  to get a letter of payoff and for them to update my account with the credit bureaus because it was reporting incorrectly with all three bureaus capital one stated that they would update it with the credit bureaus, but never did. I reached out to each credit bureau to dispute the the account and I have not gotten a response back. I also submitted a credit update to capital one for them to update my report and I still have not gotten a response back from capital one as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-05-20 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 am filing a formal complaint against XXXX for continuing to report a charged-off auto loan that is both inaccurate and legally outdated, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The account was opened on XX/XX/XXXX, and was charged off in late XXXX. Payment history shows derogatory activity in XXXX and XXXX, with the last activity on XX/XX/XXXX, and final reporting on XX/XX/XXXX. This means the date of first delinquency ( DOFD ) was well before the charge-off likely early to XXXX or before. This puts the account at or past the 7-year federal reporting limit under : FCRA 605 ( a ) ( 5 ) [ 15 U.S.C. 1681c ( a ) ( 5 ) ], which states : " Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years shall be excluded from the consumer report. '' Therefore, this account is : Legally expired and should no longer appear on my credit reports Damaging my credit despite having a {$0.00} balance, no monthly payments, no collections, and being closed for over 2 years In addition, XXXX has violated : FCRA 607 ( b ) : Reporting Accuracy It reports missed payments and charge-off while the balance is {$0.00}, the account is closed, and no payment obligations remain. This is misleading, and not materially relevant to current creditworthiness.

There is no past due balance, no active delinquency, yet derogatory marks remain this is inconsistent with standard industry reporting under Metro 2 and regulatory guidelines.

FCRA 609 ( a ) ( 1 ) ( A ) : Right to Documentation I have never received any validation of the original contract, payment ledger, or lawful charge-off statement. 

XXXX must show : The original signed retail installment agreement A payment breakdown and account ledger Charge-off justification and accounting records Evidence of lawful reporting authority To this date, no such documentation has been provided, yet they continue to report derogatory, damaging data to consumer bureaus.

FCRA 611 ( a ) : Failure to Reinvestigate The reporting agency and XXXX  have failed to reinvestigate or delete unverifiable, outdated, and inaccurate information a direct violation of consumer rights. 


FDCPA 809 ( a ) [ 15 U.S.C. 1692g ] ( if XXXX  or servicer qualifies as a debt collector ) : No initial communication, no debt validation notice, and no attempt to verify the debt before credit reporting occurred. This is grounds for immediate deletion.

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 2025-05-20 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-20 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , remove 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 XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX BALANCED {$390.00} This account have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-20 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I reported a fraud alert on my credit from a car dealership. The car dealership sent back a letter saying for the removal of the inquiries. The car dealership XXXX XXXX ran my credit with several creditors and now I have several inquiries on my credit report. The letter states to remove the inquiries. And that the inquiry was unauthorized. Therefore every creditor that ran my credit report was also unauthorized. Please remove these inquiries from my credit file. That are attached below. I have also attached the letter from XXXX  sent to XXXX XXXX and the letters that the finance companies sent to me. When XXXX XXXX XXXX pulled my credit report all these companies requested my credit file against my authorization and it clearly states that in the letter XXXX XXXX sent to me in the mail. I would like for these companies to remove the inquiries I didnt authorize from my credit file asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FC HoldCo LLC
State: GA

Complaint narrative:
I reported a fraud alert on my credit from a car dealership. The car dealership sent back a letter saying for the removal of the inquiries. The car dealership XXXX XXXX ran my credit with several creditors and now I have several inquiries on my credit report. The letter states to remove the inquiries. And that the inquiry was unauthorized. Therefore every creditor that ran my credit report was also unauthorized. Please remove these inquiries from my credit file. That are attached below. I have also attached the letter from XXXX  sent to XXXX XXXX and the letters that the finance companies sent to me. When XXXX XXXX Fraudulent pulled my credit report all these companies requested my credit file against my authorization and it clearly states that in the letter XXXX XXXX sent to me in the mail. I would like for these companies to remove the inquiries I didnt authorize from my credit file asap

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 2025-05-20 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 am disputing a charged-off account being reported by XXXX XXXX XXXX The account was opened on XX/XX/XXXX, and is now listed as closed with a {$0.00} balance, last reported between XXXX and XX/XX/XXXX, depending on the bureau. 

Despite being paid/closed and charged off, the account continues to display multiple derogatory payment marks ( XX/XX/XXXX days late ), even though there is no active balance, no monthly payment, and no payment activity since early XXXX. 

Reporting an account as charged off with a {$0.00} balance while continuing to reflect severe delinquency can be misleading, violating FCRA Section 607 ( b ) which requires furnishers to maintain reasonable procedures to assure maximum possible accuracy.

Under FCRA Section 602 ( a ) and 611 ( a ), I am requesting a reinvestigation into this item. The continued presence of this negative item with outdated reporting dates and an inaccurate depiction of my current credit standing is harmful and misleading. 

I also request that XXXX XXXX verify and provide documentation proving the necessity and legal accuracy of the charge-off and the reporting of the late payments after closure. If they can not verify the derogatory status with documentation compliant under FCRA Section 609 ( a ) ( 1 ), the account must be removed entirely from all consumer reporting agencies.

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 2025-05-20 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: LA

Complaint narrative:
I have no connection to these inquiries or the listed creditors. I request their immediate removal 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 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
On XXXX  XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education , including financial aid dataset that contained the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MS

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 willful 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 non-monetary relief
Consumer complaint received 2025-05-20 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: MS

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 willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-20 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: FL

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 willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: HI

Complaint narrative:
I am filing this complaint because Consumer Portfolio Services ( CPS ) continues to report my auto loan as a charge-off or closed account, even though I have been current and making regular, on-time payments since XX/XX/year>. This inaccurate reporting is harming my credit profile and has resulted in credit denials and higher costs. 

Timeline & Actions : I fell behind on my auto loan in the past, but I have been current and making consistent payments since XX/XX/year>. 
CPS has confirmed by email that my account is current and up to date.

Despite this, my credit report still shows the account as a charge-off or closed, which is not accurate or complete.

I have disputed this with all three credit bureaus and directly with CPS, providing payment history and communication showing my account is current.

The credit bureaus and CPS continue to verify the inaccurate charge-off status without a proper investigation or update. 
I have filed previous CFPB complaints regarding this issue with XXXX, XXXX, XXXX, and Consumer Portfolio Services , Inc. ( all submitted on XX/XX/year> ). Despite providing documentation and ongoing disputes, the inaccurate reporting has not been corrected. 
I was unable to upload documents in previous complaints, so I am including them now. 
Attachments included : Proof of my payment history showing I have been current since XX/XX/year>. 
The email from CPS confirming my account is current. 
A recent copy of my credit report showing the inaccurate reporting. 
What I am requesting : That the tradeline be updated to accurately reflect my current payment status and history. 
That any negative impacts from the inaccurate reporting be removed. 
Written confirmation that my credit report has been corrected. 
Thank you for your attention to this ongoing issue. I am happy to provide additional documentation if needed.

Company response to consumer: Closed with explanation