vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA, Income can not be reported on a credit report. I'm requesting a 1099-C ( cancellation of debt ) from the following charge off account listed below. XXXX ( account number : XXXX ). After checking my most recent report, the account was purchased by XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender.Please send the 1099 -C form.

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 2025-03-26 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-26 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-26 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: TX

Complaint narrative:
I have continuously reported IDentity theft issues and have been ignored it seems. I feel I am being forced to try and prove that accounts dont belong to me when in fact it should be up to the creditor to prove that they do. According to the FCRA it is the responsibility of a data furnisher to provide true and accurate information when reporting information to be recorded on my Consumer Report. Furthermore the FCRA prohibits any company that has purchased a debt from its original creditor to provide XXXX XXXX data with regard to an original debt once the debt has bee charged off, sold, or abandoned by its original owner. Even as some on the accounts on my credit are known to be fraud, and were previously removed from my credit report, i find that the removed items in some cases have been resold as bad debt to another company for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I have continuously reported IDentity theft issues and have been ignored it seems. I feel I am being forced to try and prove that accounts dont belong to me when in fact it should be up to the creditor to prove that they do. According to the FCRA it is the responsibility of a data furnisher to provide true and accurate information when reporting information to be recorded on my Consumer Report. Furthermore the FCRA prohibits any company that has purchased a debt from its original creditor to provide XXXX XXXX data with regard to an original debt once the debt has bee charged off, sold, or abandoned by its original owner. Even as some on the accounts on my credit are known to be fraud, and were previously removed from my credit report, i find that the removed items in some cases have been resold as bad debt to another company for collection.

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 2025-03-26 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: FL

Complaint narrative:
on XX/XX/year> I sent dispute letters to Experian, Equifax & Transunion. The only response I received was a bogus stall letter saying that I did not send them the letters myself. I included my photo ID and my proof of address with these letters so how can they say they were not from me? They just do not want to do the investigation which is unacceptable. All of the letters that were sent to each bureau are attached. Due to the fact that my first letter was sent over 84 days ago and nothing has been corrected, I demand the following accounts be deleted : XXXX XXXX XXXX XXXX XXXXXXXX - The lates are not reflecting correctly across all three bureaus which proves this to be a billing error. 
XXXX XXXX XXXX XXXX XXXXXXXX - The lates are not reflecting correctly across all three bureaus which proves this to be a billing error. 
XXXX XXXX - XXXX - I never did business with this co. 
XXXX - XXXX - The late payment history for this account is inaccurate. 
XXXX XXXX - XXXX - I never did business with this co. 
XXXX - XXXX - XXXX late payment history for this account is inaccurate. 
XXXX - XXXX - I never did business with this XXXX XXXX  - Not my employer XXXX XXXX XXXX- Not my address XXXX XXXX XXXX XXXX XXXX - Not my address XXXXXXXX XXXX Not my name XXXX XXXX XXXX- Not my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
on XX/XX/year> I sent dispute letters to Experian, Equifax & Transunion. The only response I received was a bogus stall letter saying that I did not send them the letters myself. I included my photo ID and my proof of address with these letters so how can they say they were not from me? They just do not want to do the investigation which is unacceptable. All of the letters that were sent to each bureau are attached. Due to the fact that my first letter was sent over 84 days ago and nothing has been corrected, I demand the following accounts be deleted : XXXX XXXX XXXX XXXX XXXXXXXX - The lates are not reflecting correctly across all three bureaus which proves this to be a billing error. 
XXXX XXXX XXXX XXXX XXXXXXXX - The lates are not reflecting correctly across all three bureaus which proves this to be a billing error. 
XXXX XXXX - XXXX - I never did business with this co. 
XXXX - XXXX - The late payment history for this account is inaccurate. 
XXXX XXXX - XXXX - I never did business with this co. 
XXXX - XXXX - XXXX late payment history for this account is inaccurate. 
XXXX - XXXX - I never did business with this XXXX XXXX  - Not my employer XXXX XXXX XXXX- Not my address XXXX XXXX XXXX XXXX XXXX - Not my address XXXXXXXX XXXX Not my name XXXX XXXX XXXX- Not my name

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 2025-03-26 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 have reviewed my credit report and found that a late payment has been incorrectly reported by Equifax for the account XXXX XXXX XXXX  account number : XXXX on XXXX late payment is incorrect because I made a payment of {$25.00} for XX/XX/year>, as demonstrated by the attached proof of payment documentation. I have submitted a dispute to Equifax and provided evidence showing that the payment was made on time. Despite this, the credit bureaus have not corrected or removed the inaccurate late payment from my credit report. This failure to investigate and correct the error violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i. Given the violation of the Fair Credit Reporting Act and my consumer rights, I request the following action. Immediate removal of the inaccurate late payment entry from my credit report. I respectfully request that the CFPB intervene in this matter to ensure that my rights under the FCRA are upheld and that the credit bureaus comply with the law. Please feel free to contact me at the provided phone number or email address for any further information or clarification. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TX

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. 

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 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 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 2025-03-26 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). As you are aware, the FCRA at Section 605B and the
guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Late XXXX was my first incident that I realized that my Victorias Secret credit card was frozen. Unaware that the account was frozen because my payment history is in perfect standings nor have I not received any written letter by Comenity bank, which is the holder of the Victoria Secret card, in regards to this.

After speaking with one representative, and she shared with me I dont know why your card was declined. Your payment History is impeccable I do see thats frozen, it just appeared that there couldve been a glitchand she unfroze it. I was allowed to use it. Well, at least thats what I thought. Six months later now its XXXX, want to use the card again in store to make a {$55.00} purchase and the transaction comes up declined. Went to call the client relations and representative passed me on to a different department and it was then explain to me that according to their records, I was asked if I looked into a debt consolidation program. If so, they need a letter from me stating that this account is not in one.

So I said to the representative, I want an explanation to why I was never told this information prior it seems you are asking for this information because Im asking why my account is frozen. 
and if this information was needed so badly why is there not any form of communication from you, nothing was sent to me.I explained this card is not in any debt consolidation and she said that it was being flagged in her system that it was and that or/it appeared I looked into a program.

She then continue to say that they wouldnt speak on behalf of the my account.

The questions that I had went unanswered.

The rest of the communication had to be in writing.

Attached, you will find my letter that I will submit to them, as
it was my original e-mail that I send.

I would also add that I am an American with a XXXX, so it has been very challenging for me to prepare and gather and take the time to get all this information together. I feel that they broke and violated a lot of laws and I want to know what actions I can take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I have an auto loan through Huntington Nationals Bank. They are not willing to work with me to pay off the vehicle. Between XXXX through XXXX they revered 4 payments. The one reversal was done intentionally by a staff member name XXXX because she argued with me on a phone call. A supervisor named XXXX admitted that the worker did this. The other XXXX reversals they did not have an explanation for. There was now a fifth payment reversal because they said the loan has matured. If they had not reversed all of the payments in XXXX, XXXX, and XXXX the load would be paid off. They have started threatening me since I had informed them I am filing for bankruptcy, but Huntington will not be on the bankruptcy. They are refusing to speak to me. A supervisor will not return any of my calls. Now when I call in and they verify my information they will not speak to me or provide any help. Also, all of a sudden they are saying they do not accept my bank or checking account. I have been using the same bank and bank account for the last three years. At first they said that they could not take my bank over the phone so I would pay through their payment portal online. But one day I called in and the customer service representative was able to put my bank over the phone, so that whole thing was a lie. Now they will not take payments at all. As stated if they would not have reversed all of my payments for no reason the loan would be paid off. I just want an extension so I am able to pay the loan. They have now started having a robo calls come to my phone stating to call them, but when I call them I get nowhere. The balance is low. Theyre threats of repossession makes me think they are just trying to get the vehicle. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account 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 2025-03-26 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: NY

Complaint narrative:
Bounce AI Subject : Cease and Desist Communication Notice To Whom It May Concern : This letter is to inform you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and formally requesting that Bounce AI immediately cease and desist all forms of communication with me regarding any alleged debt.

Furthermore, please be advised that furnishing or continuing to furnish information to any credit reporting agency regarding this alleged debt constitutes a form of communication under the FDCPA. You are therefore directed to cease any credit reporting or related activity immediately. 

I do not acknowledge or accept liability for any alleged debt. Any continued contact, including updates to credit bureaus, will be considered harassment and a violation of my consumer rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please note : I am requesting no further contact from XXXX XXXX, including but not limited to phone calls, letters, emails, or credit reporting. 

Any attempt to contact me moving forward may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and civil action.

Govern yourself accordingly.

Sincerely,

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 2025-03-26 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: NY

Complaint narrative:
Bounce AI Subject : Cease and Desist Communication Notice To Whom It May Concern : This letter is to inform you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and formally requesting that Bounce AI immediately cease and desist all forms of communication with me regarding any alleged debt.

Furthermore, please be advised that furnishing or continuing to furnish information to any credit reporting agency regarding this alleged debt constitutes a form of communication under the FDCPA. You are therefore directed to cease any credit reporting or related activity immediately. 

I do not acknowledge or accept liability for any alleged debt. Any continued contact, including updates to credit bureaus, will be considered harassment and a violation of my consumer rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please note : I am requesting no further contact from XXXX XXXX, including but not limited to phone calls, letters, emails, or credit reporting. 

Any attempt to contact me moving forward may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and civil action.

Govern yourself accordingly.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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