vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I am filing a follow-up complaint # XXXX regarding the reporting of a charged-off XXXX credit card account with a balance of {$970.00}. XXXX has confirmed that the account was charged off on XX/XX/year>, and no Form 1099-C was issued because the debt was not settled. However, the continued reporting of this account raises multiple concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), specifically as it relates to the accuracy, completeness, and substantiation of the reported debt.

Under 15 U.S.C. 1681i ( a ), I am entitled to dispute any information I believe is inaccurate or incomplete. A charge-off is an internal accounting term, and it does not necessarily reflect a legally enforceable or collectible debt. XXXX response did not provide any validation of the debt, such as a signed contract or accounting of the charges. Simply stating the account was charged off is insufficient to validate the current debt status, particularly when XXXX claims it no longer services the account and has passed it to a third party ( XXXX XXXX ). 

Furthermore, under 15 U.S.C. 1692g of the FDCPA, if a debt is in collection, I have the right to request proper validation from the current collector. XXXX did not provide the contact history or transfer documentation showing that the alleged debt was legally assigned or sold to XXXX XXXX. This omission raises concerns about chain of custody and legal ownership of the debt. 

Additionally, the FCRA requires that information furnished to credit reporting agencies must be complete and accurate. Reporting a charged-off balance that may no longer be collectible and doing so without providing any documentation or consumer disclosures ( like a 1099-C ) may be considered misleading and detrimental to my credit profile. The lack of documentation and clarity about the legal standing of the debt creates an unfair and confusing situation for consumers trying to resolve legitimate credit disputes. 

I am requesting that this account be removed from my credit reports with all bureaus unless the furnisher or collector can provide : 1. A copy of the original signed agreement ; 2. A detailed accounting of the balance due ; 3. Documentation that confirms the debt was legally transferred or assigned to XXXX XXXX ; and 4. Proof that the continued reporting of this account complies with IRS requirements, FCRA standards for accuracy, and FDCPA validation rules. 

If the creditor or collector is unable to fully validate the account or confirm legal ownership and enforceability, then the account should be removed from all credit reports as inaccurate, unverifiable, and potentially misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 a follow-up complaint # XXXX regarding the reporting of a charged-off XXXX credit card account with a balance of {$970.00}. XXXX has confirmed that the account was charged off on XX/XX/year>, and no Form 1099-C was issued because the debt was not settled. However, the continued reporting of this account raises multiple concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), specifically as it relates to the accuracy, completeness, and substantiation of the reported debt. 

Under 15 U.S.C. 1681i ( a ), I am entitled to dispute any information I believe is inaccurate or incomplete. A charge-off is an internal accounting term, and it does not necessarily reflect a legally enforceable or collectible debt. XXXX response did not provide any validation of the debt, such as a signed contract or accounting of the charges. Simply stating the account was charged off is insufficient to validate the current debt status, particularly when XXXX claims it no longer services the account and has passed it to a third party ( XXXX XXXX ). 

Furthermore, under 15 U.S.C. 1692g of the FDCPA, if a debt is in collection, I have the right to request proper validation from the current collector. XXXX did not provide the contact history or transfer documentation showing that the alleged debt was legally assigned or sold to XXXX XXXX. This omission raises concerns about chain of custody and legal ownership of the debt. 

Additionally, the FCRA requires that information furnished to credit reporting agencies must be complete and accurate. Reporting a charged-off balance that may no longer be collectible and doing so without providing any documentation or consumer disclosures ( like a 1099-C ) may be considered misleading and detrimental to my credit profile. The lack of documentation and clarity about the legal standing of the debt creates an unfair and confusing situation for consumers trying to resolve legitimate credit disputes. 

I am requesting that this account be removed from my credit reports with all bureaus unless the furnisher or collector can provide : 1. A copy of the original signed agreement ; 2. A detailed accounting of the balance due ; 3. Documentation that confirms the debt was legally transferred or assigned to XXXX XXXX ; and 4. Proof that the continued reporting of this account complies with IRS requirements, FCRA standards for accuracy, and FDCPA validation rules. 

If the creditor or collector is unable to fully validate the account or confirm legal ownership and enforceability, then the account should be removed from all credit reports as inaccurate, unverifiable, and potentially misleading.

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 2025-05-19 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: IL

Complaint narrative:
I DO NOT recognize these address Please remove and Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management ( MCM ) is violating the Fair Credit Reporting Act ( FCRA ) by incessantly calling me without identifying themselves or their purpose, despite my demands to cease contact and use U.S. Mail only. The FCRA, under 15 U.S.C. 1681b, restricts how creditors can access and use my credit information. MCMs harassing calls, ignoring my mental health disclosures, misuse my credit data for unauthorized purposes, breaching my privacy rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Credit Acceptance Corporation has continued to report a derogatory auto loan account to XXXX  with an XXXX status, an {$8700.00} balance, and ongoing late payments dating from XXXX to XXXX. This account was voluntarily surrendered in XX/XX/XXXX, with the last payment made in XX/XX/XXXX. 

Despite submitting documentation through my original CFPB complaint ( XX/XX/XXXX ), the company falsely claimed they could not locate the accountwhile continuing to report it monthly to XXXX under my name and former address. I have provided full screenshots, including the tradeline as it appears on my XXXX report. 

This response is evasive and appears to be a stalling tactic to avoid accountability under the Fair Credit Reporting Act ( FCRA ). Credit Acceptance is currently reporting XXXX months of missed payments on an account that should have aged off years ago.

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 2025-05-19 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: PA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2025-05-19 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: PA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: RI

Complaint narrative:
My personal information was exposed and used due to several data breaches. The listed account are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: KS

Complaint narrative:
Today, XX/XX/year> I received alerts from my other credit cards that there was a hard inquiry on my credit report. I checked and saw that there was a hard credit inquiry from XXXX XXXX banking that I did not authorize. 

I called XXXX XXXX to let them know that I did not authorize a hard inquiry from them and they told me that they were working to resolve and reverse the credit application and file it as fraudulent. 

Before I called XXXX XXXX, I called XXXX to let them know and they made a note on my report about it. Later, after calling XXXX XXXX, I called XXXX and Equifax to let them know the same thing about what happened and Equifax led me here to file a complaint to get documentation of it. 

I'm not 100 % sure what the credit bureaus did on their end to mark what I told them as it was kind of hard to hear what each person was saying, but this is what I'm doing now to help expedite the process of getting my credit report fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: KS

Complaint narrative:
Today, XX/XX/year> I received alerts from my other credit cards that there was a hard inquiry on my credit report. I checked and saw that there was a hard credit inquiry from XXXX XXXX banking that I did not authorize. 

I called XXXX XXXX to let them know that I did not authorize a hard inquiry from them and they told me that they were working to resolve and reverse the credit application and file it as fraudulent. 

Before I called XXXX XXXX, I called XXXX  to let them know and they made a note on my report about it. Later, after calling XXXX XXXX, I called TransUnion and XXXX  to let them know the same thing about what happened and Equifax led me here to file a complaint to get documentation of it. 

I'm not 100 % sure what the credit bureaus did on their end to mark what I told them as it was kind of hard to hear what each person was saying, but this is what I'm doing now to help expedite the process of getting my credit report fixed.

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 2025-05-19 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
My insurance company wrote a XXXX party check out to myself XXXX XXXX and the repair shop that was working on my vehicle for payment for repairs. The repair shop XXXX XXXX XXXX received the check directly to them but required both of our signature in order to be cashed. The gentleman from the repair shop signed it and deposited it through the mobile app without my signature where it was then processed and cashed on XX/XX/2025 according to my insurance company where they were able to verify it had been cashed and sent me a copy of both front and back with a stamp on it from XXXX bank. I am owed half of the check which was in the amount of {$3500.00} I have reached out to the bank and spoke to a couple different people and keep getting the run around nobody seems to know how to handle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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 2025-05-19 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 ( i ) 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.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-19 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: VA

Complaint narrative:
This letter serves as a formal and final follow-up regarding the unauthorized hard inquiry still being reported on my credit file. I have already disputed this matter and provided supporting documentation, including the FTC Identity Theft Report I filed, which confirms that I did not authorize this inquiry.

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 2025-05-19 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: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NJ

Complaint narrative:
This is respond to your discovery and harassment last complain number from discover XXXX and Discovers Lawyer who filed a false lawsuit and got judgement via summary judgement not final judgement without investigations Complain number XXXX. 

The account was removed on or around XX/XX/year> from all XXXX credit bureaus which means that the account was unverified or discover failed to provide me any link to this account. Unfortunately XXXX XXXX and XXXX through their frivolous practices filed Writ of Execution on my goods on XX/XX/year> knowing the case is currently in pending appeal. Please see attachments. This case should be dismissed from court immediately which are violating my FCRA rights and can lead to a bigger lawsuit towards discover. Upon calling discovers lawyer no one picks up the call upon contacting. XXXX and XXXX XXXX XXXX XXXX destroyed my XXXX XXXX for more than a year and gave me financial and emotional distress without verifying the account. 

CFPB should take notice on this frivolous actions and ask XXXX to provide me detailed investigation and reasons for why I was a part of this lawsuit I am attaching all evidence here with attachments and I am pretty sure that I will not get any investigation reports. Writ of objections has proof in EXHIBIT A. all credit bureaus have deleted the account as not verified.

The Company should respond me with an answer and justification ( within 5 Days ) to ruin my credit and giving me emotional and financial stress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry that appears on my XXXX credit report from TD Bank, dated XX/XX/year>. I did not apply for any credit, loan, or financial product with TD Bank, nor did I authorize them to access my credit report. This inquiry is negatively impacting my credit profile without justification. I contacted XXXX to request the removal of this inquiry, as it was not initiated by me. However, they have failed to take appropriate action or provide any documentation that would verify my authorization of this inquiry. I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter. Specifically, I want Experian to : XXXX. Remove the unauthorized inquiry from my credit report XXXX. Provide a clear explanation of how this inquiry was verified ( if they claim it was ) XXXX. Prevent future unauthorized inquiries from appearing without my consent

Company response to consumer: Closed with non-monetary relief