vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XX/XX/XXXX, I disputed a charged-off account from Barclays Bank Delaware that appears on my credit report. The account shows a balance of {$4300.00} with a charge-off of {$3400.00}, last updated in XX/XX/XXXX. I contacted both XXXX and the creditor to request full validation of the debt, including a signed contract and proof of ownership. Despite multiple attempts, I have not received any documentation validating this debt. 

The account is marked as " Item Disputed by Consumer, '' but it continues to report negative payment history, including incorrect 30 days late notations over multiple years. Additionally, the account was closed at the creditors request, not due to consumer default, which further questions the accuracy of the status reported. 

This unresolved and unverified account is negatively impacting my credit score and financial opportunities. I am requesting a formal investigation and a resolution in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-06-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXTransUnionXXXX XXXX XXXX XXXX XXXXSubject: SECOND REQUEST- URGENT Credit Report Dispute\n\n\nTo whom it may concern,\nI am writing again regarding the disputed negative item on the credit report XXXX XXXX XXXX XXXX  That I previously submitted on. I have yet to receive a resolution, and this situation continues to cause serious Hardship in my life.\n\nI expect a timely and fair investigation, yet this inaccurate information remains on my credit report, making it nearly impossible for me to move forward. It is affecting my ability to secure better opportunities, and the financial burden is overwhelming.\n\nThis issue remains unresolved. The company claimed to have verified the XXXX XXXX account ending in XXXX  but no supporting documentation has been provided.\n\nAt this point, I am formally requesting that you provide documented proof of verification from the original creditor or remove the item immediately.\n\nUnder the Fair Credit Reporting Act, specifically:\n\t\t 609(a)(1)(A)  I am entitled to see all records used to verify the accuracy of the account.\n\t\t 611(a)(7)  I requested the method of verification from the credit bureau.\n\t\t 1681i(a)(5)  If no evidence can be verified, the account must be removed.\n\nI am formally requesting that this case be reopened, and that XXXX XXXX be compelled to provide:\n\t\tA copy of any signed contract bearing my signature,\n\t\tFull account payment history,\n\t\tVerification procedures used during the investigation.\n\nAt this point, I am formally requesting that you provide documented proof of verification from the original creditor or remove the item immediately.\nIf no proper verification can be provided, I request the account be deleted from my credit report. I am prepared to escalate this matter to the FTC and my state Attorney General if not properly resolved.'

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
Dispute XXXX : Navy Federal Credit Union falsely reporting payments on account in order to fraudulently renew statute of limitations. 
Account Number : XXXX ( as collected from all three credit bureau XXXXeports ) Source of dispute information : Experian Credit Report as provided by Navy Federal Credit Union Type of disputed information : Falsified payments Credit report date : XX/XX/XXXX Explanation of item being disputed : NFCU is falsely reporting multiple payments in order to fraudulently renew the debt and fraudulently extend the statute of limitation. No payments have been made on the account since XX/XX/XXXX. 
o Last Payment Date is reported by NFCU as XX/XX/XXXX. This is false and fraudulent reporting. The correct Last Payment Date is XX/XX/XXXX. Any difference needs proof provided by NFCU with cancelled checks. 
o Comments : dispute investigation completed is a false statement. I disputed each and every charge resulting from stolen credit card information and used without my knowledge or authorization. NFCU refused to conduct the disputes on individual charges. The balance is the result of credit card fraud plus late fees and interest as I refused to pay for unauthorized charges. 
o Multiple times in the past, I have provided a copy of a notarized FTC Identity Theft Affidavit as well as a police report. These documents were disregarded and ignored by NFCU and Experian. 
Dispute XXXX : Addresses on my credit report are not accurate and must be removed : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX XXXX XXXX : Inaccurate name on credit report and must be removed : XXXX XXXX. The middle initial is combined with the first name. This is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Subject : Formal Complaint AgainsXXXX XXXX XXXX Charge-Off Reporting and Failure to Issue IRS Form 1099-C To Whom It May Concern, I am submitting this letter as a formal complaint against XXXX XXXX XXXX regarding the handling of an auto loan that has been charged off and is currently being reported on my credit file. 

The company has marked the loan as charged off, which indicates that the debt has been written off as a loss for accounting purposes. According to IRS XXXXode 26 U.S.C. 6050P, any financial institution that discharges {$600.00} or more in indebtedness is required to file IRS Form 1099-C and provide the debtor with a copy of the form for tax purposes. 

Despite the charge-off, I have not received a 1099-C form from XXXX XXXX, nor have XXXX been informed of any official discharge or cancellation of the debt. If the debt was forgiven and reported to the IRS, it should no longer be legally collectible, and continuing to list or attempt to collect the balance could potentially violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to investigate the following issues : XXXX. Whether XXXX XXXX has canceled or discharged the debt and failed to provide the appropriate IRS Form 1099-C. 
XXXX. Whether XXXX XXXX is inappropriately continuing to report a balance on a charged-off account that may no longer be legally owed. 
XXXX. Whether XXXX XXXX is in violation of consumer protection laws by not providing clarity or transparency regarding the debts current legal status. 

This situation has impacted my creditworthiness and caused confusion about my financial obligations. I respectfully ask that the CFPB take appropriate action to review this complaint and ensure that XXXX XXXX is operating in compliance with federal regulations. 

I am happy to provide supporting documentation upon request, including credit reports and any communications from XXXX XXXX. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX Last 4 social : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Subject : Formal Complaint AgainsXXXX XXXX XXXX Charge-Off Reporting and Failure to Issue IRS Form 1099-C To Whom It May Concern, I am submitting this letter as a formal complaint against XXXX XXXX XXXX regarding the handling of an auto loan that has been charged off and is currently being reported on my credit file.

The company has marked the loan as charged off, which indicates that the debt has been written off as a loss for accounting purposes. According to IRS Code 26 U.S.C. 6050P, any financial institution that discharges {$600.00} or more in indebtedness is required to file IRS Form 1099-C and provide the debtor with a copy of the form for tax purposes.

Despite the charge-off, I have not received a 1099-C form from XXXX XXXX, nor have XXXX been informed of any official discharge or cancellation of the debt. If the debt was forgiven and reported to the IRS, it should no longer be legally collectible, and continuing to list or attempt to collect the balance could potentially violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to investigate the following issues : XXXX. Whether XXXX XXXX has canceled or discharged the debt and failed to provide the appropriate IRS Form 1099-C. 
XXXX. Whether XXXX XXXX is inappropriately continuing to report a balance on a charged-off account that may no longer be legally owed. 
XXXX. Whether XXXX XXXX is in violation of consumer protection laws by not providing clarity or transparency regarding the debts current legal status. 

This situation has impacted my creditworthiness and caused confusion about my financial obligations. I respectfully ask that the CFPB take appropriate action to review this complaint and ensure that XXXX XXXX is operating in compliance with federal regulations. 

I am happy to provide supporting documentation upon request, including credit reports and any communications from XXXX XXXX. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX Last 4 social : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Formal Complaint AgainsXXXX XXXX XXXX Charge-Off Reporting and Failure to Issue IRS Form 1099-C To Whom It May Concern, I am submitting this letter as a formal complaint against XXXX XXXX XXXX regarding the handling of an auto loan that has been charged off and is currently being reported on my credit file.

The company has marked the loan as charged off, which indicates that the debt has been written off as a loss for accounting purposes. According to IRS Code 26 U.S.C. 6050P, any financial institution that discharges {$600.00} or more in indebtedness is required to file IRS Form 1099-C and provide the debtor with a copy of the form for tax purposes.

Despite the charge-off, I have not received a 1099-C form from XXXX XXXX, nor have I been informed of any official discharge or cancellation of the debt. If the debt was forgiven and reported to the IRS, it should no longer be legally collectible, and continuing to list or attempt to collect the balance could potentially violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to investigate the following issues : XXXX. Whether XXXX XXXX has canceled or discharged the debt and failed to provide the appropriate IRS Form 1099-C. 
XXXX. Whether XXXX XXXX is inappropriately continuing to report a balance on a charged-off account that may no longer be legally owed. 
XXXX. Whether XXXX XXXX is in violation of consumer protection laws by not providing clarity or transparency regarding the debts current legal status. 

This situation has impacted my creditworthiness and caused confusion about my financial obligations. I respectfully ask that the CFPB take appropriate action to review this complaint and ensure that XXXX XXXX is operating in compliance with federal regulations. 

I am happy to provide supporting documentation upon request, including credit reports and any communications from XXXX XXXX. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX Last 4 social : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX 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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC bank changed interest rate without my knowledge on a loan I took out with them, I too the matter to arbitration, the arbitrator was partialed. During arbritation, PNC provided an altered credit application with falsified signature and other information on the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
Someone stole my identity and used it to open multiple fraudulent accounts in my name. I did not authorize these accounts, and I have never had any relationship with the companies reporting them. As soon as I discovered the activity, I filed an identity theft report with the FTC, submitted a complaint to IC3 ( FBI Internet Crime Complaint Center ), and placed fraud alerts with all three credit bureaus. 

Despite providing Experian, TransUnion, and Equifax with documentationincluding my FTC report, IC3 complaint, and proof of identitythe fraudulent accounts remain on my credit report. I am now requesting that the CFPB intervene to ensure these items are permanently removed under the FCRA Section 605B, which provides identity theft victims the right to have fraudulent accounts blocked.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have reached out to TransUnion on more than one occasion regarding updating my credit. All the other bureaus gets updates from my creditors and adds it to my credit each month as the update is given EXCEPT for TransUnion. TransUnion claims that they havent received updates from my creditors, yet all the other bureaus have updated. There is a XXXX point difference in my credit score between the 3 bureaus due to TransUnion not updating as agreed. Ive also submitted disputes, over the phone, that does not show as disputed on my account. 

XXXXXXXX XXXX XXXX  company still reflects a balance from XXXX and it is the end of XXXX. 

XXXX XXXX is a medical bill that should not be on my credit. I have disputed with the company, with the insurance, and with the credit bureau multiple times and still have yet to receive a validation letter from either company.

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 2025-06-28 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: GA

Complaint narrative:
These accounts has fraudulent charges these loan are fraudulent resulting in identity theft and improper use of contracts, loan terms and agreements. This notice is to inform you that you unlawfully reported fraudulent accounts that you did not properly verify.

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 2025-06-28 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within XXXX XXXX Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: KS

Complaint narrative:
Dispute XXXX : XXXX XXXX XXXX XXXX falsely reporting payments on account in order to fraudulently renew statute of limitations. 
Account Number : XXXX ( as collected from all three credit bureau reports ) Source of dispute information : Experian Credit Report as provided by XXXX XXXX XXXX XXXX XXXX of disputed information : Falsified payments Credit report date : XX/XX/XXXX Explanation of item being disputed : XXXX is falsely reporting multiple payments in order to fraudulently renew the debt and fraudulently extend the statute of limitation. No payments have been made on the account since XX/XX/XXXX. 
o Last Payment Date is reported by XXXX as XX/XX/XXXX. This is false and fraudulent reporting. The correct Last Payment Date is XX/XX/XXXX. Any difference needs proof provided by XXXX with cancelled checks. 
o Comments : dispute investigation completed is a false statement. I disputed each and every charge resulting from stolen credit card information and used without my knowledge or authorization. XXXX refused to conduct the disputes on individual charges. The balance is the result of credit card fraud plus late fees and interest as I refused to pay for unauthorized charges. 
o Multiple times in the past, I have provided a copy of a notarized FTC Identity Theft Affidavit as well as a police report. These documents were disregarded and ignored by XXXX and Experian. 
Dispute XXXX : Addresses on my credit report are not accurate and must be removed : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX XXXX XXXX : Inaccurate name on credit report and must be removed : XXXX XXXX. The middle initial is combined with the first name. This is not accurate.

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