vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agencies : Equifax, Experian, and TransUnion. I believe they have engaged in practices that violate the Fair Credit Reporting Act ( FCRA ) and have negatively affected my financial well-being and credit standing. 

Despite my diligent efforts to dispute inaccuracies on my credit reports, I have repeatedly encountered problems with having the credit reporting agencies respond to why my credit score has gone down without any negative information. In fact, my credit usage and limit has been consistent for a decade, yet my credit score fluctuates. The credit bureaus have not been able to provide me information as to why the scores have gone down. In fact, customer service representatives have frequently told me they do not know whey because no adverse information has been reported in my accounts. 

I have followed the required dispute process by sending letters to each of the bureaus, providing documentation to support my disputes. However, I have not received the corrections or proper responses to which I am legally entitled. 

Under the FCRA, credit reporting agencies must conduct a reasonable investigation when a consumer disputes information on their credit report. In my case : - My disputes were either dismissed or processed inadequately, leading to no significant changes to my credit files. 

- Some disputes were not investigated within the required timeframe, or I received form-letter responses rather than evidence that a thorough investigation was carried out. 

As a result of these unresolved issues : - My credit score has been negatively impacted.

- I have experienced emotional distress and additional financial expenses in constantly monitoring and disputing my credit reports.

I am aware of recent legal actions and settlements involving Equifax, Experian, and TransUnion regarding their credit reporting practices. I am submitting this complaint so I may pursue any remedies or relief available to consumers as part of, or in addition to, any class action lawsuits or enforcement actions pending against these credit bureaus. 

If you require any additional information or documentation to support my claim, please feel free to contact me at the information listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agencies : Equifax, Experian, and TransUnion. I believe they have engaged in practices that violate the Fair Credit Reporting Act ( FCRA ) and have negatively affected my financial well-being and credit standing. 

Despite my diligent efforts to dispute inaccuracies on my credit reports, I have repeatedly encountered problems with having the credit reporting agencies respond to why my credit score has gone down without any negative information. In fact, my credit usage and limit has been consistent for a decade, yet my credit score fluctuates. The credit bureaus have not been able to provide me information as to why the scores have gone down. In fact, customer service representatives have frequently told me they do not know whey because no adverse information has been reported in my accounts. 

I have followed the required dispute process by sending letters to each of the bureaus, providing documentation to support my disputes. However, I have not received the corrections or proper responses to which I am legally entitled. 

Under the FCRA, credit reporting agencies must conduct a reasonable investigation when a consumer disputes information on their credit report. In my case : - My disputes were either dismissed or processed inadequately, leading to no significant changes to my credit files. 

- Some disputes were not investigated within the required timeframe, or I received form-letter responses rather than evidence that a thorough investigation was carried out. 

As a result of these unresolved issues : - My credit score has been negatively impacted.

- I have experienced emotional distress and additional financial expenses in constantly monitoring and disputing my credit reports.

I am aware of recent legal actions and settlements involving Equifax, Experian, and TransUnion regarding their credit reporting practices. I am submitting this complaint so I may pursue any remedies or relief available to consumers as part of, or in addition to, any class action lawsuits or enforcement actions pending against these credit bureaus. 

If you require any additional information or documentation to support my claim, please feel free to contact me at the information listed above.

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 2025-02-01 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with XXXX XXXX concerning accounts that have been charged off. XXXX XXXX has reported these charged-off accounts on my credit report as balances owed, despite having filed them as profit losses on their taxes. I have not received a Form 1099-C from XXXX XXXX for these charged-off accounts. 

According to IRS regulations, when a creditor writes off a debt as a loss, they are required to furnish the debtor with a Form 1099-C to report the canceled debt as income. This allows the debtor to accurately report the income on their taxes. 

XXXX XXXX XXXX failure to provide me with a 1099-C is concerning, as it prevents me from fulfilling my tax obligations correctly. I believe I am entitled to receive this form promptly so that I may include it in my tax filings. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate information regarding debts. Incorrectly reporting a charged-off debt as an outstanding balance on my credit report while claiming a tax loss could constitute inaccurate reporting. 

If XXXXXXXX XXXX  does not furnish me with the Form 1099-C or remove the accounts from my credit report due to inaccurate reporting promptly, I am prepared to pursue legal action for statutory damages. This situation is causing undue stress and financial uncertainty. 

I kindly request your assistance in directing XXXX XXXX to fulfill their legal obligation by providing me with the necessary Form 1099-C for the charged-off accounts. Please advise me on how best to proceed in resolving this matter. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with Discover Bank concerning accounts that have been charged off. Discover Bank has reported these charged-off accounts on my credit report as balances owed, despite having filed them as profit losses on their taxes. I have not received a Form 1099-C from Discover Bank for these charged-off accounts.

According to IRS regulations, when a creditor writes off a debt as a loss, they are required to furnish the debtor with a Form 1099-C to report the canceled debt as income. This allows the debtor to accurately report the income on their taxes.

Discover Bank 's failure to provide me with a 1099-C is concerning, as it prevents me from fulfilling my tax obligations correctly. I believe I am entitled to receive this form promptly so that I may include it in my tax filings.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate information regarding debts. Incorrectly reporting a charged-off debt as an outstanding balance on my credit report while claiming a tax loss could constitute inaccurate reporting.

If Discover Bank does not furnish me with the Form 1099-C or remove the accounts from my credit report due to inaccurate reporting promptly, I am prepared to pursue legal action for statutory damages. This situation is causing undue stress and financial uncertainty.

I kindly request your assistance in directing Discover Bank to fulfill their legal obligation by providing me with the necessary Form 1099-C for the charged-off accounts. Please advise me on how best to proceed in resolving this matter.

Thank you for your attention to this urgent matter. I look forward to your prompt response.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
Experian refused to allow disputes in removing negative and inaccurate information on my accounts.

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 2025-02-01 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-01 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2025-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
my social security number was used to create an account for mortgage loan which i never received equal consideration as the bank. it is not lawful to use my social security number in a consumer transaction, therefore it was misused and reported on my credit report. Also, its showing up as an active finance account, which I never received the funds to purchase a home. How is this possible? this is clearly fraud. and XXXX sold my bond to a third party that is now showing up on my credit report through XXXX XXXX and XXXX as XXXX finance. second issue is that I never applied for anyhting at Capital One bank and there is an inquiry showing up on my credit report, how is this possible, these banks are openly committing fraud and misusing the consumer 's social security account for their own gain leaving the comsumer with nothing and we a re the creators of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: PA

Complaint narrative:
I've recently received a coy of my credit report ad noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit

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 2025-02-01 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:
I've recently received a coy of my credit report ad noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit

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 2025-02-01 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: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report ). Upon review, I have identified an error in how this account is being reported. 

Specifically, the balance update date is listed as XX/XX/XXXX, despite the fact that the account was charged off in XX/XX/XXXX and my last payment was on XX/XX/XXXX. If the account was charged off in XXXX, it should not have a balance update as recently as XXXX. This creates an inaccurate and misleading representation of my financial status. 

Additionally, the credit usage is listed at 104 %, which is incorrect given that my credit limit was {$2500.00}, and the balance at charge-off was {$2600.00}. This calculation does not align with standard credit reporting practices. 

I request that Experian conduct a thorough investigation into these discrepancies and either correct or remove the incorrect information from my credit file. Please provide written confirmation of your findings and any corrections made.

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 2025-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Should not still be on credit report veical was repo over 7 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report regarding my XXXX XXXX account ( Account Number : Upon review, I have identified an error in the reporting of this account.

Specifically, the balance update date is listed as XX/XX/XXXX, even though the account was charged off in XX/XX/XXXX. If the account was already charged off, the balance should not be updated as recently as XXXX, as this misrepresents the true status of the account. 

Additionally, the credit usage is reported at 16 %, which is inconsistent with the balance and credit limit details provided. If my credit limit was {$2600.00} and the balance at charge-off was {$440.00}, this percentage does not seem to be accurately calculated.

I request that Experian conduct a formal investigation into these inaccuracies and either correct or remove the incorrect information from my credit file. Please provide written confirmation of your findings and any corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation