vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
Let me tell you what happened. XXXX XXXX XXXX XXXX is reporting charged-off accounts, including my credit card and auto loan under account number XXXX, but never issued me a Form 1099-C as required under 26 U.S.C. 6050P. You cant write off a debt, take the tax benefit, and still report me as owing the full amount. Thats tax fraud, its financial misrepresentation, and its a violation of federal law.

Theyve violated : FCRA ( 15 U.S.C. 1681s-2 ( a ) ) furnishing inaccurate info GLBA ( 15 U.S.C. 6801 ) disclosing private financial info 16 CFR 313.7 failing to give opt-out notices 26 CFR 1.6050P-1 failure to issue 1099-C UCC 3-603 ( b ) debt discharged = no further enforcement GAAP standards charged-off receivables cant be held as assets Safeco v. Burr, Spokeo v. Robins willful and harmful FCRA violations This is not a denial of the debtthis is a conditional acceptance : If you can prove you sent me a valid 1099-C, and that you didnt already receive a tax deduction for writing this off, then lets see it. Otherwise, you are unlawfully damaging my credit and my chances to get a mortgage, causing emotional distress and hardship.

This account must be : Removed or corrected immediately All late payments and charge-off notations deleted Marked as Closed - Paid as Agreed or Settled in Full If not corrected, I will proceed with : IRS Form 3949-A for suspected tax evasion A federal lawsuit seeking $ XXXX in damages Legal discovery into XXXX XXXX tax filings, securitization of debt, and bond transactions I demand proof. I demand action. I demand justice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Unauthorized premium payment from escrow ( loan XXXX ), causing $ XXXX shortage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
Hello to whom it may concern XXXX XXXX Experian Equifax intentionally throw away. Disregard FTC reports sent through the CFPB. Im requesting these agencies be put under investigation.

I did not open these accounts remove these accounts from my profile immediately under session 605BFCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: UT

Complaint narrative:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or approved these accounts in any capacity. Their inclusion on my credit report is entirely unacceptable and constitutes the reporting of false, misleading, and materially damaging information about my financial history.

I take the accuracy and integrity of my credit profile seriously. The presence of these unauthorized accounts is not only alarming it is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am demanding an immediate and thorough investigation into how these accounts came to be reported in my name, and who is responsible for submitting this inaccurate data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
MY prior compliant relates to BofA not being willing to simply re-open my existing HELOC even though there were 4 years left in my draw period and even though I had a PERFECT record in payments.

THEY reserve the right to reopen the prior loan, but denined me the opportunity to do the same.

THIS complaint relates to the new loan I just applied for ( to replace the HELOC I accidentally closed on their misleading online website ).

I spent almost an hour on the phone with the person who took my loan application. Most of that time was spent tailoring the application to insure that I could qualify for a loan solely based on my income.

I then immediately supplied all the requested documentation -only to learn today that the Bank would NOT HONOR the information provided by the person who took my loan application ( I have his name, but I am withholding it because I am sure his misrepresentations are typical of how the bank operates ). 

SO when I found out today that I would have to supply information about my business ( which operates as an XXXX  and for which all property is owned by the XXXX XXXX I refused and I told the lady to cancel my application. 

I then received a call from the man whose name I am withholding and I told him he was XXXX XXXX XXXX  ( sorry ) about being able to just qualify for a loan using my personal income and I told him that he shouldn't misrepresent the process to loan applicants.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
I am filing this formal complaint against Experian, a consumer credit reporting agency, for reporting an invalid and unverified collection account on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq.. The collection is being reported by XXXX, a company with which I have never conducted business or held any financial obligation. 

Collection Account in Dispute Creditor/Furnisher : XXXX Reported Balance : {$3300.00} Reported Date : XX/XX/year> Status : Closed I have never opened or agreed to any account with XXXX. I have never received a bill, communication, or notice from this entity. The account is not known to me, and no contractual relationship exists between me and this company. 

Its appearance on my Experian credit report is inaccurate, unverified, and XXXX  to my creditworthiness. I dispute the legitimacy of this account entirely. 


Violations of the Fair Credit Reporting Act ( FCRA ) Experian is in violation of the following FCRA provisions : XXXX. FCRA XXXX ( a ) Duty to Reinvestigate I have submitted a formal dispute to Experian regarding this account and have requested validation. Experian has failed to produce proof such as a signed agreement, payment history, or any legal basis for furnishing this data. 
XXXX. FCRA XXXX ( b ) Duty to Ensure Maximum Possible Accuracy Experian has reported an account with no verified origin or supporting documentation, thus failing in its obligation to ensure that only accurate and verifiable information is included on my consumer file. 
XXXX. FCRA XXXX ( b ) Furnishers Duties XXXX Notice XXXX XXXX XXXX Experian has XXXX notice from me or through a furnisher that a dispute exists, it is required to investigate and update or remove unverifiable information. As of this filing, no sufficient investigation or correction has occurred. 


XXXX  and Concerns This collection account is XXXX  impacting my XXXX XXXX and financial reputation. The presence of such a high-balance collection itemparticularly XXXX that is closed and unknownmay lead to denials of credit, increased interest rates, or false judgments about my financial responsibility. 

Additionally, the continued reporting of an account that can not be validated raises serious concerns about data integrity and Experians compliance with the law. This unresolved inaccuracy contributes to XXXX XXXX and reputational XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my TransUnion credit report and discovered 16 unauthorized soft inquiries from companies I have never interacted with, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and others. I did not apply for credit or services with these entities, nor did I provide any written, verbal, or electronic authorization for them to access my credit file.

These inquiries lack a listed permissible purpose, and TransUnion has failed to provide any documentation or proof of authorization when requested. This is a direct violation of 15 U.S. Code 1681b ( f ).

I am asserting these as willful violations of the FCRA and am requesting both deletion of the unauthorized inquiries and statutory compensation of {$1000.00} per violation in accordance with 15 U.S. Code 1681n.

I have attached a highlighted inquiry section and supporting documentation for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 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: NC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
The CARD Act of 2009 states that : A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance on which interest is deferred during the last 2 billing cycles immediately preceding the expiration of the period during which interest is deferred. 

XXXX XXXX XXXXXXXX However, Discover does not allow this in their card member agreement, and refuses to allow the consumer to allocate money to the balance transfer balance in the last two billing cycles, as state is required by federal law. 

In addition to breaking federal law, this is a predatory arrangement for Discover, because they offer 3.99 % interest for 16 months and 0 % interest for 10 months on balance transfers. Consumers thinking they could gain some extra time to pay off debt for just 4 % are left without being able to pay off their previous balance transfer offer that expires sooner simply because the interest is higher on the newer balance transfer offer. It seems logical that the consumer would want to pay off the balance transfer that expires sooner so they dont get hit with 28 % interest. This is a complete scam, and consumers should be able to allocate payments where they decide. 

I called on the phone a few times and assume Discover has the recordings. The supervisor I spoke with was pretty rude and was adamant that they follow all state and federal laws and that there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. I know that Under XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. HERE IS THE ITEMS I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. I know that Under XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. HERE IS THE ITEMS I AM ASKING YOU TO VERIFY AS ACCURATE : 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 2025-06-17 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: DISCOVER BANK
State: NY

Complaint narrative:
Unfortunately, Ive been a victim of identity, theft, and XXXX data breach. My information was obtained and used fraudulently to open several account loans, credit cards and etc .. ive already contacted these companies directly Discover bank, and XXXX XXXX XXXX XXXX to let them aware of this identity theft and that I will proceeded to file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XX/XX/year>, I returned XXXX equipment using their return label. I have email confirmation that they received the return. Despite this, I was charged {$340.00} including both XXXX service and equipment. I paid {$140.00} for the valid service portion, but the remaining {$200.00} was for the returned equipment. That charge was then sent to collections and is now being reported by XXXX. 
I first disputed the charge with XXXX XXXX by mail and email on XX/XX/year>, including the tracking number and return confirmation. I also sent the same documentation to XXXX XXXX on XX/XX/year>. Neither agency resolved the issue. I then disputed the item with Experian, attaching proof of return, but the collection remains on my report. 
I am requesting that this inaccurate {$200.00} collection be removed from my credit report and that all collection efforts stop. The debt is not valid. 
Tracking # : 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