vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX To : discover card Account # XXXX Last four ss # XXXX Subject : Dispute of Form 1099-C Cancellation of Debt Income Dear discover card I am writing to formally dispute and request IRS Form 1099-C Cancellation of Debt issued under my name for the tax year XXXX for the alleged debt with account number XXXX. 

Disputed Debt Details : Form 1099-C Amount : {$10000.00} Creditor/Furnisher : discover card Account Number : XXXX Reason for Dispute : 1. Debt Not Valid/ Debt Still Collectible You may have incorrectly issued a 1099-C. According to IRS regulations, merely filing a 1099-C does not in itself mean the debt has been canceled, unless there is clear intent to cancel the debt ( see IRS Publication 4681 and 26 CFR 1.6050P-1 ).

2. No Intent to Forgive Debt Under 26 CFR 1.6050P-1 ( b ) ( 2 ) ( iv ), the issuance of a 1099-C does not necessarily indicate actual debt cancellation. If you are still attempting to collect or sell the debt, it has not been forgiven.

3. Statutory Error If the debt was discharged in bankruptcy or falls under an exception under 26 U.S. Code 108, such as : Insolvency exception Qualified principal residence debt Bankruptcy discharge ... then it should not be reported as taxable income. I request immediate correction if this applies.

4. Violation of FCRA and FDCPA If this 1099-C has been inaccurately reported to credit bureaus or used as collection leverage, this may be a violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( regarding false representation ) Action Requested : Provide documentation verifying the debt cancellation and your authority to issue the 1099-C.

Provide written clarification of the nature and intent behind the filing.

If you can not validate this information, please file a corrected Form 1099-C with the IRS ( Form 1099-C, Box 1 with corrected code ) and send me a copy.

Cease and desist from any debt collection activity if the debt was in fact forgiven.Also remove said debt From my credit report attempting to collect a debt after it has been written off as loss is fraud If I do not receive a response within 30 days, I reserve the right to file complaints with the IRS Taxpayer Advocate, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2025-07-03 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: GA

Complaint narrative:
I am writing to dispute multiple accounts appearing on my credit report that I believe are inaccurate, outdated, or misreported. Please investigate the following accounts and delete or correct them as necessary in accordance with the Fair Credit Reporting Act ( FCRA ) : Disputed Accounts XXXX. XXXX XXXX XXXX I dispute the accuracy of this reporting. Please verify the original delinquency date and balance. 
XXXX. XXXX XXXX XXXX XXXX XXXX This account was closed more than XXXX years ago. I request a full investigation and validation of this charge-off. 
XXXX. XXXX XXXX XXXX I do not believe this debt was properly validated before being placed for collection. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Two Separate Collections I believe XXXX of these accounts may be a duplicate or inaccurate. Please verify both individually or remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection I am requesting verification of this medical collection account. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Collection This account was previously disputed and may contain reporting errors. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Collection Please confirm the accuracy of this account and provide validation. I request deletion if unverified. 



Please consider this a formal request to investigate and correct or delete the items listed. If you can not verify the information within 30 days, I ask that it be removed from my credit report. 

I have attached documentation to support this dispute, including proof of identity and address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am writing to dispute multiple accounts appearing on my credit report that I believe are inaccurate, outdated, or misreported. Please investigate the following accounts and delete or correct them as necessary in accordance with the Fair Credit Reporting Act ( FCRA ) : Disputed Accounts XXXX. XXXX XXXX XXXX I dispute the accuracy of this reporting. Please verify the original delinquency date and balance. 
XXXX. XXXX XXXX XXXX XXXX XXXX This account was closed more than XXXX years ago. I request a full investigation and validation of this charge-off. 
XXXX. XXXX XXXX XXXX I do not believe this debt was properly validated before being placed for collection. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Two Separate Collections I believe XXXX of these accounts may be a duplicate or inaccurate. Please verify both individually or remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection I am requesting verification of this medical collection account. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Collection This account was previously disputed and may contain reporting errors. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Collection Please confirm the accuracy of this account and provide validation. I request deletion if unverified. 



Please consider this a formal request to investigate and correct or delete the items listed. If you can not verify the information within 30 days, I ask that it be removed from my credit report. 

I have attached documentation to support this dispute, including proof of identity and address. 

Thank you for your prompt attention to this matter. 

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 2025-07-03 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft.

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following fraudulent account must be removed immediately : XXXX XXXX Opened date : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-07-03 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: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am faced with discrimination from TransUnion and Experian. 

They are actively attempting to tarnish my credit history and ability to avail financial services at fair market rates. 

They are refusing to correct their records and failing to provide evidence of the investigation report that denies me the correction. On the contrary, they are also not accepting the evidence I have in my possession, which is evidence from the same creditors ( XXXX XXXX and XXXX ). 

There appears to be collusion between creditors and credit rating agencies to destroy my credit history. I have suffered financially from XXXX XXXX at abusive rates from XXXX and XXXX due to this collusion

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am faced with discrimination from XXXX  and XXXX. 

They are actively attempting to tarnish my credit history and ability to avail financial services at fair market rates. 

They are refusing to correct their records and failing to provide evidence of the investigation report that denies me the correction. On the contrary, they are also not accepting the evidence I have in my possession, which is evidence from the same creditors ( JPMorgan Chase and XXXX ). 

There appears to be collusion between creditors and credit rating agencies to destroy my credit history. I have suffered financially from XXXX XXXX at abusive rates from XXXX and XXXX due to this collusion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 writing to request the removal of fraudulent accounts and inquiries from my credit report resulting from identity theft. These items are inaccurate and were not authorized by me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and delete this unauthorized information. Enclosed are a list of the disputed items and my Identity Theft Report filed with the FTC.

Please provide written confirmation once these corrections have been completed. Thank you for your prompt attention.

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 2025-07-03 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-07-03 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:
I am very concerned about the items that are being shown on my XXXX XXXX Not only are they inaccurate, they are also unjust, because they should not be reporting on my XXXX XXXX! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I originally went to purchase a XXXX XXXX XXXXXX/XX/XXXX. The XXXX broke down within two days of me having it. I had a trade in of my XXXX XXXX XXXX XXXX  and they didnt let me get my car back or the value of my car after returning the vehicle due to it breaking down. They gave me another vehicle and I used a {$5500.00} down payment, three days later I had the same issues. They kept the second vehicle in the shop for a month and returned it to me. Two days later it broke down again. I began to be upside down on the loan because of this and they repossessed the car after 1 late payment. I got locked out of the portal and I communicated that on multiple occasions with multiple people and they did nothing to get me back into the portal. I wasnt even a month behind before they repossessed the vehicle. This is outrageous and shouldnt be on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : 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 Under 12 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues. 

I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, XXXX XXXX is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I received a loan from a from a friend in the amount of {$2000.00} ( single one time transaction for that amount ) and I also received another {$200.00} for assisting him with a job task.I was informed by my bank Navy Federal that it was an disputed unauthorized transfer and that I was a willing participant in this transaction.The problem was that he disputed two transactions of two {$1000.00} transactions a day before, but they flagged my transaction as suspicious activity. He called his bank to clear the matter which they informed that there were no disputes for the single {$2000.00} transaction and the {$200.00} transaction. Despite the evidence of no wrong doing Navy Federal closed my account and denied my appeal.XXXX still has me restricted for an erroneous error by XXXX XXXX fraud or security department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX/Comenity for illegally re-aging my accounts by reporting false charge-off dates in 2023. This is a violation of the Fair Credit Reporting Act ( FCRA ) 605 ( a ), which prohibits furnishers from resetting the reporting period through inaccurate or misleading information. 

The accounts in question have been closed for several years, but XXXX/Comenity continues to update their status updated and charge-off dates to 2023, falsely extending the negative reporting period and damaging my credit unfairly. 

Accounts involved : XXXX/Comenity/XXXX   Account # XXXX XXXX falsely reported in 2023 XXXX/Comenity/XXXX  Account # XXXX Charge-off falsely reported in 2023 XXXXXXXXS/Comenity/XXXX  Account XXXX XXXX Charge-off falsely reported in 2023 This practice of backdating or updating charge-off dates is illegal and causes harm by prolonging negative credit reporting beyond the allowed timeframes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 response to consumer: Closed with non-monetary relief