vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed an inaccurate XXXX XXXX account ( charged-off auto loan with repossession ) multiple times directly with the credit bureaus. Despite this, the company continues to report an increasing balance each month. 
Between XX/XX/year> and XX/XX/year>, the balance increased by {$21.00} from {$13000.00} to {$13000.00} despite no new activity on the account. This triggers a false date of last activity and has caused my XXXX XXXX to drop. 
In each dispute, I requested verification of the debt, the original signed contract, and the method of verification under FCRA 1681i. None of this information was ever provided. The account is also not marked as disputed on my TransUnion report, which violates FCRA 623 ( a ) ( 3 ). 
I am requesting full deletion of this account or documentation that justifies the balance increases and continued reporting. I have attached a screenshot showing the recent balance increase from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally address and dispute significant discrepancies and questionable accounting practices reported by your institution. Upon evaluating your financial reporting in accordance with Generally Accepted Accounting Principles ( GAAP ) and reviewing my credit file and IRS filings, I believe your company has engaged in fraudulent and deceptive practices in violation of both credit reporting laws and IRS regulations. 

Issues Identified : XXXX. Improper Charge-Off Reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  These accounts has been reported as a charge-off on my credit report. However, there is no legitimate documentation supporting the legal validity of this debt, nor any substantiated balance due that adheres to GAAP standards of revenue recognition and debt extinguishment. XXXX. Failure to XXXX IRS Form XXXX : Under IRS regulations XXXX once a debt is XXXX or deemed uncollectible and written off as a loss, a XXXX Cancellation of Debt form is legally required to be issued to the debtor and the IRS. Your company has failed to issue this document, indicating that you may have claimed a loss for tax benefit purposes while continuing to collect or report the debt, a clear indication of deception and potential tax fraud. XXXX. Violation of GAAP and Misleading Accounting : By failing to reconcile the charge-off through proper debt forgiveness documentation and by continuing to list an extinguished liability on my credit profile, you have misrepresented your financial standing both to the IRS and to credit reporting agencies. This misreporting may constitute material fraud under GAAP and deceptive reporting practices under the Fair Credit Reporting Act ( FCRA ). Demands : Immediate deletion of the fraudulent charge-off from all credit reporting agencies. Issuance of IRS Form XXXX, retroactive to the year the charge-off was recorded, in compliance with IRS XXXX XXXX. A written explanation detailing the accounting treatment of the charge-off and whether it was claimed as a loss or remains collectible. Full documentation showing legal ownership, assignment, and validation of the alleged debt. Failure to respond to this letter within XXXX business days will result in the filing of complaints with : The IRS XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Inspector General ( OIG ) This matter is serious, and I expect full transparency and compliance with federal law and GAAP standards. 

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 explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally address and dispute significant discrepancies and questionable accounting practices reported by your institution. Upon evaluating your financial reporting in accordance with Generally Accepted Accounting Principles ( GAAP ) and reviewing my credit file and IRS filings, I believe your company has engaged in fraudulent and deceptive practices in violation of both credit reporting laws and IRS regulations. 

Issues Identified : XXXX. Improper Charge-Off Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account : XXXX These accounts has been reported as a charge-off on my credit report. However, there is no legitimate documentation supporting the legal validity of this debt, nor any substantiated balance due that adheres to GAAP standards of revenue recognition and debt extinguishment. XXXX. Failure to XXXX IRS Form XXXX : Under IRS regulations XXXX once a debt is XXXX or deemed uncollectible and written off as a loss, a XXXX Cancellation of Debt form is legally required to be issued to the debtor and the IRS. Your company has failed to issue this document, indicating that you may have claimed a loss for tax benefit purposes while continuing to collect or report the debt, a clear indication of deception and potential tax fraud. XXXX. Violation of GAAP and Misleading Accounting : By failing to reconcile the charge-off through proper debt forgiveness documentation and by continuing to list an extinguished liability on my credit profile, you have misrepresented your financial standing both to the IRS and XXXX credit reporting agencies. This misreporting may constitute material fraud under GAAP and deceptive reporting practices under the Fair Credit Reporting Act ( FCRA ). Demands : XXXX deletion of the fraudulent charge-off from all credit reporting agencies. Issuance of IRS Form XXXX, retroactive to the year the charge-off was recorded, in compliance with IRS XXXX XXXX. A written explanation detailing the accounting treatment of the charge-off and whether it was claimed as a loss or remains collectible. Full documentation showing legal ownership, assignment, and validation of the alleged debt. Failure to respond to this letter within XXXX business days will result in the filing of complaints with : The IRS XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Inspector General ( OIG ) This matter is serious, and I expect full transparency and compliance with federal law and GAAP standards. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: VA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-08 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 explanation
Consumer complaint received 2025-07-08 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-07-08 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: NC

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts : Fraudulent Credit Card Accounts : - Creditor : XXXX Card Date Opened : [ approx. prior to XXXX ] Account # : XXXX XXXX XXXX XXXXXXXX Amount : {$2100.00} ( Charge-off with disputed balance and unverifiable status ) - Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$16000.00} ( Charge-off with duplicate status errors and no proper verification ) Fraudulent Auto Loan Accounts : - Creditor : XXXX XXXX XXXX ( XXXX XXXX XXXX Opened XXXX [ approx. prior to XXXX ] Account # XXXX XXXX XXXX XXXX XXXX Amount : [ Unspecified ] ( Charge-off from over 5 years ago, XXXX exceed FCRA XXXX XXXX limit ) - Creditor : XXXX XXXX XXXX Date XXXX XXXX XXXX Unverified ] Account # : XXXX XXXX XXXX XXXX Amount : [ Unverified ] ( XXXX late status, inflated balance, and ownership inaccuracies ) Fraudulent Hard Inquiries : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( All inquiries are unrelated to any accounts I opened or authorized ) I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint XXXX XXXX ), my TransUnion credit report, a list of unauthorized inquiries, and identity verification documents ( ID +utility bill ).

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-08 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On around XX/XX/year>, I lost my wallet containing my NFCU debit card and credit card, license and other forms of identification. 

I received several fraud alerts on my phone regarding the multiple attempts of fraudulent transactions. I noticed transactions that posted on my account for the amount of XXXX on XX/XX/year> from a XXXX XXXX XXXX and a charge of XXXX for XXXX XXXX. I immediately called to notify the bank regarding the transaction. I did not participate in the transactions. I did not authorize anyone to use my card information and NFCU is not standing behind the zero liability clause. These transactions are unauthorized. I had to call into the bank again XX/XX/year> regarding another transaction for the same amount of XXXX for XXXX XXXX XXXX. Again I immediately contacted the bank to make them aware. I was told the card was not cancelled at the time of the first call and they would get that taken care of immediately. I filed the claim for both for all posted unauthorized transactions and on XX/XX/year> I was made aware that NFCU claims that there was no bank error which is incorrect. I 100 % should not liable for these transactions and NFCU has not provided any hard core information leading to their determination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MS

Complaint narrative:
To Whom It May Concern, I am writing in response to your [ letter/phone call ] dated [ insert date ], regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act.

Please provide the following : - The name and address of the original creditor - The amount of the debt and how it was calculated- A copy of any judgment ( if applicable ) - Proof that you are licensed to collect debts in [ your state ] Until you provide this information, you must cease all collection activities. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: VA

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