vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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, I recently reviewed my consumer credit report and noticed that XXXX has conducted an investigation regarding certain accounts. As a result of their findings, XXXX has removed the following accounts from my credit report : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Department of Education Account Numbers XXXX XXXX XXXX XXXX Additionally, I have received a Form 1099-C from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and the Department of Education , confirming that these debts were discharged and written off as income by their respective creditors. 

According to IRS regulations, once a debt has been canceled and reported as income via a 1099-C, it can no longer be reported as an outstanding debt on a consumer credit report. Reporting discharged debt as collectible is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ).

Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( iv ) of the FCRA mandates that if an investigation determines previously reported information was inaccurate, the furnisher must promptly notify each consumer reporting agency and provide the necessary corrections. Since XXXX has removed these accounts, TransUnion must also update my file accordingly. 

Request for Method of Investigation In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I also formally request that TransUnion provide a detailed description of the method used to investigate the following : How TransUnion verified the accuracy of these accounts.

The parties contacted during the investigation. 
Any supporting documentation used to verify the information. 
Given the documented discharge of debts, I formally request that TransUnion remove these inaccurate accounts immediately and provide written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter. If you require any additional information, please feel free to contact me. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened my account with Truist on XX/XX/year> under a promotion they had. They would give you {$400.00} once the account met the direct deposit requirements of XXXX deposits a month for 2 months. I met these requirements. They first told me that the promotion code was invalid. The lady I spoke with was supposed to fix that and I should hear something back from them. I was notified today that I was again denied the {$400.00} due to transactions that were not part of the promotion. I have kept my account current and my pay is direct deposited. I have done everything they asked and want the {$400.00} they promised me!

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 2025-03-04 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: MI

Complaint narrative:
Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I received a 1099-K tax form from cash app on XX/XX/XXXX for transactions totalling XXXX USD. 
I do not own a cash app account and believe this to be fraudulent. 
Upon receiving this form I contacted cash app support. Over the course of two weeks I attempted to get resolution but did not get any information from the company and they told me to contact a tax professional as they do not give tax advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I transferred money to one of my other bank accounts, but for some unknown reason, it was returned. After that, I couldn't log in to my account. I communicated with the bank, but they refused to adopt my proposed method to verify my account. My identity has already been verified through IRS video authentication, yet the bank doubts my identity and refuses to reactivate my account. This situation is extremely frustrating for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MI

Complaint narrative:
I am writing to formally dispute the civil liability claim referenced under section XXXX XXXX XXXX that has recently come to my attention. I want to clarify that I do not recognize the validity of this claim, nor am I familiar with your company. 

Upon reviewing the claim, I believe there has been a misunderstanding or error regarding the alleged debt. Specifically, I have not received any prior notification or documentation that would substantiate the existence of this claim against me. Therefore, I have several concerns that I would like to address : Lack of Documentation : I request a detailed account of the basis for this claim, including any associated documentation or contracts. 

Verification of Debt : Under the Fair Debt Collection Practices Act, I am entitled to request verification of the alleged debt. As such, please provide adequate proof that this liability is mine. 

Non-Compliance Under XXXX XXXX XXXX XXXX : I believe this claim to be in violation of the established regulations unless proper documentation is provided, indicating that no reasonable steps were taken to adhere to compliance requirements. 

I have enclosed copies of relevant correspondence that demonstrate my position on this matter. I kindly ask for a thorough review and immediate response. Please respond to me in writing by [ specific date, typically XXXX weeks from the date of the letter ], so we can address this issue promptly.

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 2025-03-04 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: PA

Complaint narrative:
I am writing to delete the following information from my credit report. The items I need deleted are in this report. I am a victim of identity theft and did not make these charges. I ask that the listed items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity theft affidavit. Please delete the following items as soon as possible. 

XXXX XXXX XXXX  XXXX BALANCE XXXX {$10000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX  BALANCE : {$2900.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$710.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$470.00} ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX  XXXX BALANCE : {$0.00} ACCOUNT NUMBER:XXXX XXXX XXXX BALANCE : {$720.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$460.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX  BALANCE : {$0.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/XXXX XXXX XXXX BALANCE : {$460.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/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 2025-03-04 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 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!

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 2025-03-04 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: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
I previously disputed this Cavalry Portfolio Services account ( # XXXX ) as fraudulent due to identity theft, which I already reported after the XXXX data breach. I submitted both an FTC identity theft report and a police report, yet this account is still being reported inaccurately. Under 15 U.S.C. 1692g, they must provide proper validation, yet they have failed to do so. Reporting a debt without verifying it violates the FCRA ( 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Unverified and inaccurate reportings are showing on my credit profile for accounts that I have no knowledge of and has requested that the proper documents showing valid proof of the best belongs to me and all the companies has failed to do so.

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 2025-03-04 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: DC

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-03-04 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: IA

Complaint narrative:
Consumer name : XXXX XXXX XXXX social security number : XXXX Request for immediate removal of fraudulent information pursuant to FCRA 605B Dear Credit Bureau , I am submitting a complaint to formally request the removal of fraudulent information from my credit report as allowed under FCRA 605b this request pertains accounts that were opened without my authorization and are the direct effect of identity theft and fraud.I expect this fraudulent information to be blocked and deleted to protect my consumer right within 4 days of said letter being received as required by the law. Below is the information of each fraudulent account with its account number balance and date opened thanks for your review and I expect my federal right to be enforced and acknowledged A auto loan with XXXX opened on XX/XX/XXXX with a balance of {$9400.00} Account number : XXXX A mobile telecommunications accountwith XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$520.00} account XXXX Lastly a XXXX account opened on XX/XX/XXXX with a balance of XXXX Account number : XXXX Attached is a FTC Identify theft affidavit as clear proof identity theft and fraud took place All account listed are the result of identity theft and fraud and I demand that they be removed thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IA

Complaint narrative:
Consumer name : XXXX XXXX XXXX social security number : XXXX Request for immediate removal of fraudulent information pursuant to FCRA 605B Dear Credit Bureau , I am submitting a complaint to formally request the removal of fraudulent information from my credit report as allowed under FCRA 605b this request pertains accounts that were opened without my authorization and are the direct effect of identity theft and fraud.I expect this fraudulent information to be blocked and deleted to protect my consumer right within 4 days of said letter being received as required by the law. Below is the information of each fraudulent account with its account number balance and date opened thanks for your review and I expect my federal right to be enforced and acknowledged A auto loan with XXXX opened on XX/XX/XXXX with a balance of {$9400.00} Account number : XXXX A mobile telecommunications accountwith XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$520.00} account XXXX Lastly a XXXX account opened on XX/XX/XXXX with a balance of XXXX Account number : XXXX Attached is a FTC Identify theft affidavit as clear proof identity theft and fraud took place All account listed are the result of identity theft and fraud and I demand that they be removed 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 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing several accounts on my credit report that I believe to be inaccurate or unverifiable. Please provide the source of this information and the methods used to validate its accuracy. 

Due to the XXXX XXXX Data Breach in XX/XX/year>, which exposed sensitive personal information, including Social Security numbers, I have reason to believe these derogatory accounts may result from compromised data. This breach has significantly increased identity theft and fraudulent activity, raising serious concerns about the integrity of the reported information.

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 2025-03-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
Inaccurate reporting on all three credit bureau charge off on my profile been ask to verify the debt with bill of sale or assignment contract also ask for a 1099c form for the charge off ask for cease and desist until proof of claims and its still reporting my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Companies Reporting the Incorrect Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) [ Any other incorrect accounts ] Account Number ( s ) ( Last 4 Digits from Credit Report ) : [ List the last four digits of each incorrect account ] Balance ( XXXX ) & Status : XXXX XXXX : Incorrectly listed as a past-due or closed account XXXX XXXX XXXX {$2600.00} Incorrect account affecting credit usage XXXX XXXX  XXXX XXXX {$40000.00} Fraudulent high-balance account XXXX  XXXX : {$7000.00} Incorrect open collection account [ Other incorrectly reported accounts ] Complaint Details : I am disputing multiple accounts that have been incorrectly reported on my credit report. These accounts do not belong to me and appear to have been mistakenly linked to my credit file due to a name similarity issue with another individual. 

I have no contractual obligation to these debts, and I have never opened or authorized these accounts. Despite disputing with the credit bureaus, these errors have not been corrected, and they continue to harm my credit standing. 

Steps I Have Taken to Resolve This Issue : Disputed these accounts directly with Experian, Equifax, and TransUnion, requesting an investigation.

Contacted the companies reporting these accounts, but they have not provided sufficient verification or removed the accounts.

Provided identity verification documentation ( such as government ID and proof of address ) to demonstrate that I am not the individual responsible for these accounts.

These errors are causing severe harm to my credit profile, and I demand an immediate correction.

Legal Violations : These companies are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : Failure to ensure accuracy in credit reporting ( FCRA, 15 U.S.C. 1681e ( b ) ) Credit reporting agencies must have procedures to ensure that information is correctly attributed to the right consumer.

Failure to conduct a reasonable investigation upon dispute ( FCRA, 15 U.S.C. 1681i ) Once I disputed these accounts, they should have verified the information properly or deleted them.

Attempting to collect a debt from the wrong person ( FDCPA, 15 U.S.C. 1692e ) If a debt collector is attempting to collect these debts from me, they are violating laws against false or misleading representations.

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 2025-03-04 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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