vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of a charge-off account listed on my credit report. The account in question is : Creditor Name : XXXX  XXXX Account Number : Not Reporting an account number ] Date Reported : XX/XX/year> Status : Charge-Off Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and under 15 U.S.C. 1637 ( b ), I am requesting a thorough reinvestigation of this account as the information is either inaccurate, incomplete, or unverifiable.

Legal Basis for Dispute : 15 U.S. Code 1637 ( b ) requires creditors to provide billing statements that set forth each extension of credit and a record of transactions. If this charge-off resulted from transactions that can not be substantiated with proper billing records as required by law, then its reporting is inaccurate and must be removed. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the credit bureau can not verify the accuracy of the disputed information within 30 days, it must delete the information from the consumers file.

Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers must conduct a reasonable investigation once they are notified of a dispute by a consumer reporting agency. 

My Request : I request that your agency : Conduct a reinvestigation of this charge-off account.

Request original documentation from the creditor showing that the debt was valid, billed properly under 15 U.S.C. 1637 ( b ), and lawfully charged off.

If the creditor can not provide such documentation, the entry must be deleted from my credit file immediately. 

Send me written confirmation of your reinvestigation results. 

Additionally, I have not received a Form 1099-C from XXXX  XXXX for this account, despite requesting one. If a 1099-C has been issued and this debt has been reported to the IRS as canceled, then the reporting of this debt as charge-off is misleading and possibly unlawful. Under such circumstances, the debt should not be sold, assigned, or collected upon, and it certainly should not continue to appear on my credit file. If no 1099-C has been issued, I request written confirmation from the creditor that the account remains legally valid and collectable by XXXX XXXX and not another collection company. 


Please complete this investigation within the 30-day period allowed by law and provide written notice of the results, as required under 15 U.S.C. 1681i ( a ) ( 6 ).

Thank you for your time and prompt attention to this matter. 

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 2025-07-21 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of a charge-off account listed on my credit report. The account in question is : Creditor Name : XXXX  XXXX Account Number : Not Reporting an account number ] Date Reported : XX/XX/year> Status : Charge-Off Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and under 15 U.S.C. 1637 ( b ), I am requesting a thorough reinvestigation of this account as the information is either inaccurate, incomplete, or unverifiable.

Legal Basis for Dispute : 15 U.S. Code 1637 ( b ) requires creditors to provide billing statements that set forth each extension of credit and a record of transactions. If this charge-off resulted from transactions that can not be substantiated with proper billing records as required by law, then its reporting is inaccurate and must be removed. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the credit bureau can not verify the accuracy of the disputed information within 30 days, it must delete the information from the consumers file.

Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers must conduct a reasonable investigation once they are notified of a dispute by a consumer reporting agency. 

My Request : I request that your agency : Conduct a reinvestigation of this charge-off account.

Request original documentation from the creditor showing that the debt was valid, billed properly under 15 U.S.C. 1637 ( b ), and lawfully charged off.

If the creditor can not provide such documentation, the entry must be deleted from my credit file immediately. 

Send me written confirmation of your reinvestigation results. 

Additionally, I have not received a Form 1099-C from XXXX  XXXX for this account, despite requesting one. If a 1099-C has been issued and this debt has been reported to the IRS as canceled, then the reporting of this debt as charge-off is misleading and possibly unlawful. Under such circumstances, the debt should not be sold, assigned, or collected upon, and it certainly should not continue to appear on my credit file. If no 1099-C has been issued, I request written confirmation from the creditor that the account remains legally valid and collectable by XXXX XXXX and not another collection company. 


Please complete this investigation within the 30-day period allowed by law and provide written notice of the results, as required under 15 U.S.C. 1681i ( a ) ( 6 ).

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-21 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX FCU Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-07-21 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Nelnet reported a XXXX delinquency on my student loan account to the credit bureaus. However, I was never provided a written notice prior to this negative reporting, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ).

I only became aware of the derogatory mark after reviewing my credit report. After further investigation, I searched my email inbox and discovered an unread message from Nelnet, but I did not open or read that email until XX/XX/year>. At the time the delinquency was reported, I had no knowledge of the notice and was never alerted by mail or phone in a way that confirmed delivery.

Because this is a federally serviced student loan, it may also fall under FERPA protection. The failure to provide proper notice before reporting negative credit data makes this record both unverifiable and inaccurately disclosed. 

I have since brought the account current and am requesting that the derogatory reporting be removed. Nelnet has not provided documentation that confirms delivery or receipt of written notice. Under FCRA, negative reporting without proper and confirmed notice must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and discovered multiple hard inquiries that I did not initiate or authorize. These inquiries were made without my knowledge, consent, or a permissible purpose, violating the Fair Credit Reporting Act ( FCRA ) 604 ( a ). The companies involved have not provided verification of my authorization for these credit pulls despite my written requests. 

In addition, my credit score shows significant inconsistencies across reporting agencies, suggesting inaccurate data or improper scoring practices. I also identified addresses and personal identifiers on my report that do not belong to me, which raises concerns about identity theft or data contamination. 

I formally disputed these issues in writing and submitted an FCRA 605B identity theft affidavit along with proof of identity. I requested that the credit reporting agency remove any unverifiable inquiries, correct inaccurate information, and block fraudulent entries.

As of today, no meaningful action has been taken to resolve these violations. I am requesting the CFPB to compel the company to investigate these matters and take corrective action immediately in accordance with FCRA 604, 611, and 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive been struggling trying to get this import accounts off my credit card, I lets start here this accounts have pop up without my knowledge or information Ive been trying to contact every bank and personal collection have been calling me everyday. Want these accounts removed and deleted now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
Ive been struggling trying to get this import accounts off my credit card, I lets start here this accounts have pop up without my knowledge or information Ive been trying to contact every bank and personal collection have been calling me everyday. Want these accounts removed and deleted now.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, a company representative confirmed via chat that the deposit requirements for a {$400.00} new account bonus were met, following a detailed account analysis, and a request was submitted for its application. However, on XX/XX/XXXX, a follow-up call disclosed that the bonus was denied because a deposit was XXXX day past the cutoff time, directly contradicting the earlier approval. Despite additional contact, the company upheld the decision, citing the late deposit. A complaint was filed with the company on XX/XX/XXXX regarding this miscommunication, but no resolution has been provided. It appears self-serving for the company to suddenly deem the requirements unmet after an initial assessment confirmed eligibility.

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 monetary relief
Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the 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 explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-21 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: MI

Complaint narrative:
I am a victim of identity theft, and XXXX fraudulent accounts are being reported on my credit report without my authorization : XXXX. XXXX XXXX XXXX account ending in XXXX balance : {$10000.00} XXXX. XXXXXXXX XXXX XXXX account ending in XXXX balance : {$2200.00} I did not open or authorize either of these accounts. XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX are the result of identity theft and are currently appearing on my [ XXXX / Equifax ] credit report, causing serious harm to my credit profile. I submitted the required documentation under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), including an identity theft affidavit and supporting documents, requesting that these accounts be blocked and deleted within XXXX business days. Despite this, the accounts are still being reported.

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 2025-07-21 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-07-21 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>

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