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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies on my credit report and the failure of a lender to provide a XXXX form for a charged-off auto loan. Despite previous disputes with the credit bureaus and creditors, the following issues remain unresolved. I am requesting immediate correction and action. 

XXXX. Inaccurate Late Payments & Charge-Offs The following accounts are reporting late payments or charge-offs that are inaccurate or unverifiable : Accounts with Incorrect Late Payments XXXX  XXXX ( Account : XXXX ) Incorrect late payment XXXX XXXX XXXX ( Account : XXXX ) Incorrect late payment XXXX  XXXX ( Account : XXXX ) Incorrect late payment XXXX XXXX  ( Account : XXXX ) Incorrect late payment of {$360000.00} XXXX XXXX  ( Account : XXXX ) Incorrect late payment XXXX/XXXX  ( Account : XXXX ) Incorrect late payment of {$2100.00} XXXX XXXX XXXX  ( Account : XXXX ) Incorrect late payment XXXX ( Account : XXXX ) Incorrect late payment Accounts with Incorrect Collections & Charge-Offs XXXX XXXX ( Account : XXXX ) Incorrect collection account XXXX XXXX ( Account : XXXX ) Incorrect collection account XXXX XXXX XXXX ( Account : XXXX ) Incorrect collection account XXXX  ( Account XXXX XXXX ) Incorrect charge-off of {$29000.00} XXXX XXXX ( Account : XXXX ) Incorrect repossession of {$16000.00} These accounts either : Contain outdated, incorrect, or unverifiable information that has negatively impacted my credit score. 
Were not properly validated by the creditor upon my prior dispute. 
Do not belong to me and were inaccurately reported. 
Per the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and deletion of these inaccurate entries. 

XXXX. Missing W9 for Charged-Off Auto Loan ( XXXX XXXX Account : XXXX ) The Regional Acceptance account ( {$29000.00} charge-off ) has been inaccurately reported. Furthermore, I have not received a 1099-C or W9 form for tax purposes, which is legally required when a debt is charged off and considered taxable income. 

I have requested this documentation multiple times and have not received any response. If this debt was indeed forgiven or charged off, the lender must provide proper tax documentation. The failure to do so suggests possible errors in their reporting. 

I am formally requesting the removal of this charge-off due to improper reporting, or the issuance of the required W9/1099-C documentation. 

XXXX. Unverified Hard Inquiries The following hard inquiries appear on my report without my authorization : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries should be removed as they were either unauthorized or not followed by an actual credit transaction.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies on my credit report and the failure of a lender to provide a XXXX form for a charged-off auto loan. Despite previous disputes with the credit bureaus and creditors, the following issues remain unresolved. I am requesting immediate correction and action. 

XXXX. Inaccurate Late Payments & Charge-Offs The following accounts are reporting late payments or charge-offs that are inaccurate or unverifiable : Accounts with Incorrect Late Payments XXXX  XXXX ( Account : XXXX ) Incorrect late payment XXXX XXXX XXXX ( Account : XXXX ) Incorrect late payment XXXX  XXXX ( Account : XXXX ) Incorrect late payment XXXX XXXX  ( Account : XXXX ) Incorrect late payment of {$360000.00} XXXX XXXX  ( Account : XXXX ) Incorrect late payment XXXX/XXXX  ( Account : XXXX ) Incorrect late payment of {$2100.00} XXXX XXXX XXXX  ( Account : XXXX ) Incorrect late payment XXXX ( Account : XXXX ) Incorrect late payment Accounts with Incorrect Collections & Charge-Offs XXXX XXXX ( Account : XXXX ) Incorrect collection account XXXX XXXX ( Account : XXXX ) Incorrect collection account XXXX XXXX XXXX ( Account : XXXX ) Incorrect collection account XXXX  ( Account XXXX XXXX ) Incorrect charge-off of {$29000.00} XXXX XXXX ( Account : XXXX ) Incorrect repossession of {$16000.00} These accounts either : Contain outdated, incorrect, or unverifiable information that has negatively impacted my credit score. 
Were not properly validated by the creditor upon my prior dispute. 
Do not belong to me and were inaccurately reported. 
Per the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and deletion of these inaccurate entries. 

XXXX. Missing W9 for Charged-Off Auto Loan ( XXXX XXXX Account : XXXX ) The Regional Acceptance account ( {$29000.00} charge-off ) has been inaccurately reported. Furthermore, I have not received a 1099-C or W9 form for tax purposes, which is legally required when a debt is charged off and considered taxable income. 

I have requested this documentation multiple times and have not received any response. If this debt was indeed forgiven or charged off, the lender must provide proper tax documentation. The failure to do so suggests possible errors in their reporting. 

I am formally requesting the removal of this charge-off due to improper reporting, or the issuance of the required W9/1099-C documentation. 

XXXX. Unverified Hard Inquiries The following hard inquiries appear on my report without my authorization : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries should be removed as they were either unauthorized or not followed by an actual credit transaction.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint again Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate., without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. 2055-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX EMPLOYER - QUICK TEST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
My cash app account was closed and I was never told why.

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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally notify XXXX XXXX, XXXX dba XXXX  that Experian, XXXX, and XXXX are reporting agencies and, under 20 U.S. Code 1232g ( FERPA ), a credit reporting agency does not fall within the categories authorized to access student education records or information without explicit written consent. As such, XXXX XXXX, XXXX dba XXXX, Experian, XXXX, and XXXX reporting agencies is prohibited from obtaining, using, or sharing any student record information without my consent. 

FERPA strictly limits access to student records to the following entities : School officials with a legitimate educational interest Government agencies conducting audits/evaluations Organizations conducting educational studies Parties complying with judicial orders/subpoenas A credit reporting agency does not meet these criteria and, therefore, can not legally access student education records without consent. Any attempt to obtain or use such records would be a violation of federal law.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally notify XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and TransUnion are reporting agencies and, under 20 U.S. Code 1232g ( FERPA ), a credit reporting agency does not fall within the categories authorized to access student education records or information without explicit written consent. As such, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion reporting agencies is prohibited from obtaining, using, or sharing any student record information without my consent. 

FERPA strictly limits access to student records to the following entities : School officials with a legitimate educational interest Government agencies conducting audits/evaluations Organizations conducting educational studies Parties complying with judicial orders/subpoenas A credit reporting agency does not meet these criteria and, therefore, can not legally access student education records without consent. Any attempt to obtain or use such records would be a violation of federal law.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally notify XXXX XXXX, XXXX dba XXXX  that XXXX, Equifax, and XXXX are reporting agencies and, under 20 U.S. Code 1232g ( FERPA ), a credit reporting agency does not fall within the categories authorized to access student education records or information without explicit written consent. As such, XXXX XXXX, XXXX dba XXXX, XXXX, Equifax, and XXXX reporting agencies is prohibited from obtaining, using, or sharing any student record information without my consent. 

FERPA strictly limits access to student records to the following entities : School officials with a legitimate educational interest Government agencies conducting audits/evaluations Organizations conducting educational studies Parties complying with judicial orders/subpoenas A credit reporting agency does not meet these criteria and, therefore, can not legally access student education records without consent. Any attempt to obtain or use such records would be a violation of federal law.

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: 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:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$170.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX  Account Number : XXXX Amount : {$860.00} Date of Account : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$580.00} Date of Account : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX : {$960.00} Date ot Account : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$1600.00} Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief