vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OH

Complaint narrative:
On XX/XX/XXXX, EdFinancial added a loan to my account with a balance of {$540.00} and a " PAST DUE '' status for {$15.00}. This loan was paid off on XX/XX/XXXX - my XXXX  account shows that it was paid in full on this date. On XX/XX/XXXX, I sent a message to Edfinancial requesting that this loan be removed from my account as it was obviously erroneously added and deeply concerning that a canceled loan suddenly has a balance and a past due status. 

On XX/XX/XXXX I received an email from EdFinancial stating that this was due to the reapplication of a payment on XX/XX/XXXX I had requested. The payment had been applied across multiple loans when I requested it to only be applied to one loan. The loans were serviced by XXXX at the time, they did not fix the error, and then transferred to loans to EdFinancial in XX/XX/XXXX. EdFinancial stated that the payment readjustment added a balance back to this loan. 

On XX/XX/XXXX I emailed EdFinancial to request documentation that the loan payment from XX/XX/XXXX was originally applied to the loan in question ( XXXX ), as this can not be possible, considering the loan was already paid off in XX/XX/XXXX, 4 months before the payment in question. 

On XX/XX/XXXX, I spoke on the phone with EdFinancial. The customer service representative said that they would fix this error and send me the documentation requested. 

On XX/XX/XXXX EdFinancial sent me an email with documentation that they claimed fulfilled my request. However, all it shows is that a payment was made to my account on XX/XX/XXXX - it does not show which loans it was applied to. 

On XX/XX/XXXX I emailed EdFinancial to again request the documentation that has still not be delivered. 

Without any such documentation ( which I suspect does not exist ), it is evident that EdFinancial erroneously added a CANCELED loan to my account with a balance and past due status which is actively harming my credit score and causing me stress. They have not fixed their error for nearly a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TN XXXX XXXX XXXX XX/XX/XXXX Subject : IMMEDIATE REMOVAL OF FRAUDULENT HARD INQUIRIES FCRA VIOLATION & IDENTITY THEFT To Whom It May Concern, This is a formal demand for the immediate removal of the unauthorized hard inquiries on my credit report. Upon reviewing my credit file, I discovered multiple fraudulent inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not applied for credit with these entities, and these inquiries were made without my authorization, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ). Under 15 U.S.C. 1681c-2, I have the right to dispute and demand the immediate removal of fraudulent inquiries.

Additionally, under 15 U.S.C. 1681n & 1681o, any entity that willfully or negligently violates the FCRA is subject to damages, statutory fines, and legal action. If these inquiries are not removed within 48 hours, I will : XXXX. File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
XXXX. Pursue legal action for damages caused by these fraudulent inquiries. 
XXXX. Hold your agency liable for failure to comply with federal law. 

I demand written confirmation that these inquiries have been permanently removed from my credit file within 48 hours of receiving this letter. If you fail to comply, I will take immediate legal action. 

This letter serves as formal notice, and a record of this dispute will be retained as evidence. I expect an urgent response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

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 information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against failing Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer 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 2025-02-19 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: CA

Complaint narrative:
The account has been closed since XX/XX/year>2019. A 1099-c was supposed to be issued since the amount discharged was over {$600.00} ( IRS rule ). I am supposed to pay taxes on the amount and cant do so without the bank first issuing a 1099-c.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The account has been closed since XX/XX/year>2019. A 1099-c was supposed to be issued since the amount discharged was over {$600.00} ( IRS rule ). I am supposed to pay taxes on the amount and cant do so without the bank first issuing a 1099-c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have disputed a transaction with capital one for the amount of XXXX with merchant XXXX. Upon initiation of the disputeI provided copies of communication with the seller as well as tracking information. The package was severely delayed on top of the non- deliverance of the ordered item. Capital one denied my claim twice now with any explanation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: GA

Complaint narrative:
Subject : Final Demand for Debt Validation & Immediate Deletion FCRA & IRS Compliance Dear Credit Control LLC, This letter serves as a final demand for the immediate removal of the inaccurate charge-off reported on my credit report regarding account on my credit report. You are unlawfully reporting this account while failing to provide proper validation and required tax documentation. This misrepresentation constitutes violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and potential tax fraud under IRS regulations. 

Violations of Federal Law Identified : FCRA & FDCPA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate or unverifiable information to credit bureaus.

15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) Requires correction or deletion of disputed inaccuracies.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Mandates the removal of unverifiable or inaccurate data.

15 U.S.C. 1692g Requires a debt collector to provide proper validation before continuing collection efforts.

IRS & Tax Fraud Violations : 26 U.S.C. 6050P Requires financial institutions to issue a 1099-C Cancellation of Debt for discharged debts over {$600.00}.

26 U.S.C. 7206 ( 1 ) Knowingly misrepresenting financial information is a criminal offense.

18 U.S.C. 1001 Criminalizes falsifying or concealing material facts in financial and tax reporting.

Immediate Action Required Deadline : 5 Business Days XXXX. Delete this inaccurate charge-off from all credit bureaus ( XXXX, XXXX, and XXXX ) immediately. 
XXXX. Provide written confirmation within XXXX business days verifying removal of this account from my credit report. 
3. Supply all requested documentation, including : A copy of the original signed contract proving I agreed to this debt.

The purchase agreement or assignment contract between you and the original creditor.

A copy of the 1099-C filed with the IRS ( if this debt was written off or forgiven ). 

Final Warning Legal & Regulatory Actions Failure to comply within 5 business days will result in the following actions : Formal complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

A Form 3949-A complaint will be submitted to the IRS for fraudulent financial reporting and tax violations. 
I will pursue legal action for violations of the FCRA, FDCPA, and IRS regulations, seeking statutory damages, actual damages, and attorneys fees. 

This is your final opportunity to correct this issue before further regulatory and legal consequences follow. I expect immediate corrective action and a written response within 5 business days. 

Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-19 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:
The credit card from the creditor on my credit report named like XXXX on my credit report on the Experian, XXXX and XXXX Refuse to request to the credit bureaus show the account close on the credit agencies Even though the account was closed at my request on XX/XX/XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit 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 explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
The credit card from the creditor on my credit report named like XXXX on my credit report on the XXXX, TransUnion and XXXX XXXX to request to the credit bureaus show the account close on the credit agencies Even though the account was closed at my request on XX/XX/XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit 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 2025-02-19 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: FL

Complaint narrative:
The credit card from the creditor on my credit report named like XXXX on my credit report on the XXXX, XXXX and Equifax Refuse to request to the credit bureaus show the account close on the credit agencies Even though the account was closed at my request on XX/XX/XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
Dear TransUnion Dispute Department, I am disputing unauthorized credit inquiries and inaccurate accounts appearing on my TransUnion credit report. Under FCRA 611, I request their immediate removal. 

Unauthorized Hard Inquiries The following inquiries were made on my credit report without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Accounts That Do Not Belong to Me The following accounts have been fraudulently opened or incorrectly reported and must be removed : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX A Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I did a mobile deposit for {$530.00} from XXXX XXXX XXXX XXXX  on XX/XX/year> to my truist bank business checking account which I have had for XXXX XXXX that is a sole proprietorship account which uses my name as the business name. After depositing the check thru the app there was a message stating that there would be a hold on the funds but it did not specify how long. I later received an email that stated the funds would not be available until XX/XX/year>. I called ( XXXX ) XXXX and the representative stated that the bank wanted to verify that the check would clear and the funds wouldnt be available until then and that I could contact a branch to speak with a manager in regards to seeing any funds could be released earlier. On XX/XX/year> I contacted the XXXX XXXX branch where I had opened my account at ( XXXX ) XXXX and spoke with XXXX who stated there was nothing she could do and that I could talk the client care XXXX to ask get more information on the hold on the check. She transferred to the client care and the representative hung up on me. I called back and spoke with XXXX who provided me with the same information that the check was on hold until XX/XX/year> and that there was nothing he could do but a branch manager would be able to assist with seeing if any funds could be made available. I attempted to call the branch back several times and was sent to voicemail. I now feel that I am getting the run around and my money is stuck in limbo without any justification.

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 2025-02-19 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:
Accounts that have been paid off are showing delinquent on all 3 credit bureaus

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