vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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 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 2025-05-16 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
I am writing to formally request information and action regarding the charged-off account listed below : XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Charged-Off Amount : {$3400.00} written off Balance Reported : {$4300.00} ( as of XX/XX/XXXX ) Last Status Update : XX/XX/XXXX Comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Charged-Off Amount : {$5200.00} written off Balance Reported : {$5200.00} ( as of XX/XX/XXXX ) Last Status Update : XX/XX/XXXX According to Internal Revenue Code Section 6050P, when a creditor cancels a debt of {$600.00} or more, they are required to issue IRS Form 1099-C ( Cancellation of Debt ). I am requesting confirmation as to whether a Form 1099-C has been filed for this account. If so, please provide a copy, including the date of cancellation, amount canceled, and the creditor 's federal identification number.

In addition, under 15 U.S. Code 1681c-2 ( a ), if a debt has been forgiven, discharged in bankruptcy, or canceled ( such as by issuance of a Form 1099-C ), any adverse credit reporting related to the account must be removed from the consumers credit report. As such, if this debt has been canceled or forgiven, I respectfully request that all negative entries associated with this account be permanently deleted from my credit file, in compliance with the law. 

Summary of My Request : Confirmation whether a Form 1099-C was issued for this charged-off account.

A copy of the 1099-C form, if applicable.

If the debt has been canceled or forgiven, immediate removal of this account from my credit report under 15 U.S.C. 1681c-2 ( a ).

Written confirmation of your actions. 

This letter is being sent in good faith and in pursuit of accurate reporting and tax compliance. Please respond within 30 days of receipt. If you require additional documentation from me to complete this request, I will gladly provide it. 

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
I am writing to formally request information and action regarding the charged-off account listed below : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Charged-Off Amount : {$3400.00} written off Balance Reported : {$4300.00} ( as of XX/XX/XXXX ) Last Status Update : XX/XX/XXXX Comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Charged-Off Amount : {$5200.00} written off Balance Reported : {$5200.00} ( as of XX/XX/XXXX ) Last Status Update : XX/XX/XXXX According to Internal Revenue Code Section 6050P, when a creditor cancels a debt of {$600.00} or more, they are required to issue IRS Form 1099-C ( Cancellation of Debt ). I am requesting confirmation as to whether a Form 1099-C has been filed for this account. If so, please provide a copy, including the date of cancellation, amount canceled, and the creditor 's federal identification number.

In addition, under 15 U.S. Code 1681c-2 ( a ), if a debt has been forgiven, discharged in bankruptcy, or canceled ( such as by issuance of a Form 1099-C ), any adverse credit reporting related to the account must be removed from the consumers credit report. As such, if this debt has been canceled or forgiven, I respectfully request that all negative entries associated with this account be permanently deleted from my credit file, in compliance with the law. 

Summary of My Request : Confirmation whether a Form 1099-C was issued for this charged-off account.

A copy of the 1099-C form, if applicable.

If the debt has been canceled or forgiven, immediate removal of this account from my credit report under 15 U.S.C. 1681c-2 ( a ).

Written confirmation of your actions. 

This letter is being sent in good faith and in pursuit of accurate reporting and tax compliance. Please respond within 30 days of receipt. If you require additional documentation from me to complete this request, I will gladly provide it. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XX/XX/XXXX, logged into XXXX XXXX And Saw A Debt Balance Of Over {$6000.00}. Immediately knew this was fraudulent because I never opened a credit line with chase or and company for that matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 formally requesting the removal of fraudulent accounts and inquiries from their credit report due to identity theft. Citing Section 605B of the Fair Credit Reporting Act, they ask the credit bureau to block and delete unauthorized items. I have included a list of the disputed entries and an Identity Theft Report from the FTC, and they request prompt action and written confirmation once the report is corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau I am filing this formal complaint and demand through the CFPB against TransUnion, Experian XXXX and Equifax for the continued reporting of false, contradictory, and legally invalid information regarding an auto loan account listed as : Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$12000.00} ( varies by bureau ) Status : Charge-Off This account is being reported with gross inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and misrepresent the true financial status of the account. 

Experian reports the account as Closed. 

TransUnion and Equifax report it as Open.

All three bureaus list it as Charge-Off, which is factually incompatible with an Open account status.

Equifax shows the account as Current with a {$0.00} balance, yet also labels it as a Charge-Off and Open at the same time. 

A recent payment was recorded on XX/XX/XXXX, which undermines the validity of a XX/XX/XXXX charge-off classification. 

This is blatant noncompliance with : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate or incomplete information.

15 U.S.C. 1681i : Bureaus must delete any item that can not be verified as accurate and consistent. 

Furthermore, the vehicle related to this loan is still in possession of the borrower and has not been repossessed or sold, which means no verified loss has occurred. Reporting this account as a charge-off is not only prematureit is fraudulent under federal consumer law. 

I demand the immediate deletion of this account from all three credit bureaus for violating FCRA requirements of accuracy, consistency, and truthfulness in reporting. 

Please find attached a copy of my government-issued ID, Social Security card, proof of address, my credit report showing the discrepancies, and an Identity Affidavit. 

I request full removal of this account and updated credit files sent to all reporting agencies and any third parties who may have accessed the incorrect data. If this is not corrected, I will pursue further legal and regulatory escalation. 

This account is being reported in violation of multiple provisions of the FCRA. The inconsistent and deceptive reporting is damaging to the consumers credit reputation and creates a false representation of delinquency. 

I am demanding that this account be permanently deleted from TransUnion, Experian, and Equifax immediately, and that all affected parties receive corrected credit files. 

This false classification is materially damaging my credit reputation and obstructing access to fair financial opportunities, which directly contradicts the consumer protections outlined in FCRA 602 ( a ) Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I am writing to formally report an issue with my Credit Karma XXXX  XXXX account. On the morning of XX/XX/year>, I successfully completed a transaction using my account. Shortly thereafter, I deposited funds into the account in good faith, expecting normal access to my available balance. 

However, immediately after the deposit, multiple transactions began getting declined without warning or a valid explanation. These declines occurred despite the account reflecting a sufficient available balance. I have not received any notifications regarding a freeze, fraud alert, or system hold that would justify the rejections. 

I have attempted to resolve this matter by checking the app for pending holds, suspicious activity, or spending limits none of which appear to apply. The inconsistency in allowing a transaction prior to the deposit, then declining them afterward, raises serious concerns about the accounts reliability and access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. Credit reporting agencies and creditors are required to investigate and correct or delete such information within 30 days. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that debts not properly verified or reported with errors be removed or no longer reported. I am requesting a review and removal of the negative accounts that are in violation of these laws. 

Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$86.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$86.00}

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-16 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: NY

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3500.00} EDFINANCIAL XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$920.00} CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$990.00} XXXX XXXX XXXX XXXX XXXX * Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX MISSOURI ) XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing because there is inaccurate information on my credit report that needs to be addressed immediately. Specifically, there is an account listed that doesnt belong to me its someone elses, and its been incorrectly tied to my credit file.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Im being treated unfairly and laughed at by an local bank branch I use their are failing to post payments im on an XXXX XXXX it take to long pending transactions over drafting my account and I dont have over draft also due to this issue every time I receive money its took because of an slow process of failure to post it takes three days to take money off my card that Ive already spent days ago I work hard for the lil money I do have this has been emotional and I believe this is unfair Ive reached out nothing been done talk to multiple people inside the branch office which laughing when I walk in one lady is nice last but not least XXXX atm had since been shut down leaving me with no XXXX atm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from XXXX XXXX, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a XXXX violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX XXXX have incorrectly or fraudulently reported late payments that I did not actually incur. 3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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