vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Date : [ Insert Date ] TO : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Formal Request for Deletion and Damages ( FTC Report # XXXX ) To Whom It May Concern : I am writing to formally dispute the inaccurate and fraudulent information that has been reported on my credit file as a result of identity theft. As documented in my attached FTC Identity Theft Report ( # XXXX ), I am a verified victim, and my personally identifiable information was compromisedlikely due to the Equifax, Experian, TransUnion, and XXXX data breaches.

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), I am invoking my right to block and demand deletion of all items on my credit report that resulted from this identity theft. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data and remove information they know to be incorrect or fraudulent. 

I also cite 15 U.S.C. 1692c ( c ) and 1692e, which prohibit continued collection or misrepresentation of debts after notification of identity theft. Furthermore, I assert my rights under UCC 1-308 ( without prejudice ) to reserve all legal rights and remedies in this matter. 

The following fraudulent accounts must be permanently deleted from all 3 of my credit reports : 1. XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$1700.00} 2. XXXX XXXX Account opened : XX/XX/XXXX Balance : {$380.00} 3. XXXX / XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$510.00} 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$18000.00} and {$18000.00} These accounts are fraudulent, opened without my knowledge, consent, or authorization. Continued reporting of these items causes me financial harm, emotional distress, and damages my creditworthiness. 

I demand that you : Immediately remove all referenced fraudulent accounts from my credit file under FCRA 605B. 
Notify all furnishers and debt collectors of the identity theft report and block the information. 
Cease and desist all attempts to collect on these debts as required by 15 U.S.C. 1692c ( c ). 
Provide me written confirmation of the deletions within 30 days, per 15 U.S.C. 1681i ( a ). 
Note that any failure to comply may result in a formal complaint to the CFPB, FTC, and potential civil action seeking monetary damages under 15 U.S.C. 1681n and 1681o. 

All attached evidence, including the FTC Identity Theft Report, is provided in good faith and under penalty of perjury. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-06-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Date : [ Insert Date ] TO : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Formal Request for Deletion and Damages ( FTC Report # XXXX ) To Whom It May Concern : I am writing to formally dispute the inaccurate and fraudulent information that has been reported on my credit file as a result of identity theft. As documented in my attached FTC Identity Theft Report ( # XXXX ), I am a verified victim, and my personally identifiable information was compromisedlikely due to the Equifax, Experian, TransUnion, and XXXX data breaches.

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), I am invoking my right to block and demand deletion of all items on my credit report that resulted from this identity theft. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data and remove information they know to be incorrect or fraudulent. 

I also cite 15 U.S.C. 1692c ( c ) and 1692e, which prohibit continued collection or misrepresentation of debts after notification of identity theft. Furthermore, I assert my rights under UCC 1-308 ( without prejudice ) to reserve all legal rights and remedies in this matter. 

The following fraudulent accounts must be permanently deleted from all 3 of my credit reports : 1. XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$1700.00} 2. XXXX XXXX Account opened : XX/XX/XXXX Balance : {$380.00} 3. XXXX / XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$510.00} 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$18000.00} and {$18000.00} These accounts are fraudulent, opened without my knowledge, consent, or authorization. Continued reporting of these items causes me financial harm, emotional distress, and damages my creditworthiness. 

I demand that you : Immediately remove all referenced fraudulent accounts from my credit file under FCRA 605B. 
Notify all furnishers and debt collectors of the identity theft report and block the information. 
Cease and desist all attempts to collect on these debts as required by 15 U.S.C. 1692c ( c ). 
Provide me written confirmation of the deletions within 30 days, per 15 U.S.C. 1681i ( a ). 
Note that any failure to comply may result in a formal complaint to the CFPB, FTC, and potential civil action seeking monetary damages under 15 U.S.C. 1681n and 1681o. 

All attached evidence, including the FTC Identity Theft Report, is provided in good faith and under penalty of perjury. 

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
Subject : Complaint Regarding Charge-Off Account Lack of Required Form 1099-C ( 26 U.S.C. 6050P and FCRA 1681 ) To Whom It May Concern, I am writing to file a formal complaint regarding a charge-off account being reported by [ XXXXXXXX XXXX ] without the issuance of a Form 1099-C, in apparent violation of 26 U.S. Code 6050P and possibly the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ). 

Summary of the Issue : Creditor Name : XXXX XXXX Original Account Number : XXXX Amount Charged Off : {$5200.00} Charge-Off Date : [ XX/XX/year> ] Reporting Credit Bureaus : [ Experian, Equifax, TransUnion ] Under 26 U.S.C. 6050P, any applicable financial institution or creditor is required to file Form 1099-C with the Internal Revenue Service and furnish a copy to the borrower when {$600.00} or more of indebtedness is canceled. I have not received a 1099-C form nor any written communication regarding a cancellation or discharge of the debt. However, the debt has been reported as a charge-off on my consumer credit report. 

Furthermore, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), information furnished to consumer reporting agencies must be accurate and not misleading. Reporting a charged-off balance without clarifying whether the debt has been forgiven or remains legally collectible creates a potentially deceptive representation of the accounts current status. 

My Requests : 1. Investigate whether [ XXXX XXXX ] or their agent has complied with 26 U.S.C. 6050P by filing Form 1099-C with the IRS and providing a copy to me as the debtor.

2. Determine whether the current credit reporting practices of the creditor/debt collector violate the accuracy and integrity requirements of the FCRA.

3. Provide a written explanation as to whether this debt is still being pursued, was sold, or has been canceled in full or in part.

4. If the debt has been canceled and no 1099-C was issued, I ask that CFPB require the entity to correct the oversight and furnish a 1099-C as requ
ired by law.

5. If the debt has not been canceled, I request clarification on the current ownership and legal status of the account. 

I am attaching the relevant pages from my credit report. 

Thank you for your assistance in addressing this matter and helping ensure compliance with applicable consumer protection and tax reporting laws. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Charge-Off Account Lack of Required Form 1099-C ( 26 U.S.C. 6050P and FCRA 1681 ) To Whom It May Concern, I am writing to file a formal complaint regarding a charge-off account being reported by [ XXXXXXXX XXXX ] without the issuance of a Form 1099-C, in apparent violation of 26 U.S. Code 6050P and possibly the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ). 

Summary of the Issue : Creditor Name : XXXX XXXX Original Account Number : XXXX Amount Charged Off : {$5200.00} Charge-Off Date : [ XX/XX/year> ] Reporting Credit Bureaus : [ Experian, Equifax, TransUnion ] Under 26 U.S.C. 6050P, any applicable financial institution or creditor is required to file Form 1099-C with the Internal Revenue Service and furnish a copy to the borrower when {$600.00} or more of indebtedness is canceled. I have not received a 1099-C form nor any written communication regarding a cancellation or discharge of the debt. However, the debt has been reported as a charge-off on my consumer credit report. 

Furthermore, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), information furnished to consumer reporting agencies must be accurate and not misleading. Reporting a charged-off balance without clarifying whether the debt has been forgiven or remains legally collectible creates a potentially deceptive representation of the accounts current status. 

My Requests : 1. Investigate whether [ XXXX XXXX ] or their agent has complied with 26 U.S.C. 6050P by filing Form 1099-C with the IRS and providing a copy to me as the debtor.

2. Determine whether the current credit reporting practices of the creditor/debt collector violate the accuracy and integrity requirements of the FCRA.

3. Provide a written explanation as to whether this debt is still being pursued, was sold, or has been canceled in full or in part.

4. If the debt has been canceled and no 1099-C was issued, I ask that CFPB require the entity to correct the oversight and furnish a 1099-C as requ
ired by law.

5. If the debt has not been canceled, I request clarification on the current ownership and legal status of the account. 

I am attaching the relevant pages from my credit report. 

Thank you for your assistance in addressing this matter and helping ensure compliance with applicable consumer protection and tax reporting laws. 

Sincerely, [ 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 2025-06-07 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX * * * *, XXXX XXXX * * * XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-07 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX  % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 2025-06-07 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-07 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:
My federal student loan was placed in forbearance by XXXX  effective [ but late payments from it are still being reported on my credit report. I am requesting that the credit bureaus update this account to remove the inaccurate delinquency, as I was not required to make payments during that time. My attached forbearance approval confirms this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
My federal student loan was placed in forbearance by Aidvantage effective [ but late payments from it are still being reported on my credit report. I am requesting that the credit bureaus update this account to remove the inaccurate delinquency, as I was not required to make payments during that time. My attached forbearance approval confirms this.

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 2025-06-07 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: NV

Complaint narrative:
I am a documented victim of identity theft, and I have provided Equifax with the following : FTC Identity Theft Affidavit & FTC Identity Theft Report Police Report ( XXXX XXXX Case # XXXX ) My ID ( Drivers License, Passport, SSN Card ) A full dispute packet Correspondence with XXXX XXXX and confirmation of the block by both XXXX XXXX XXXX Despite these submissions, Equifax has : XXXX. Reinserted a fraudulent XXXX XXXX XXXXXXXX tradeline, charged off ~7 years ago, that had previously been blocked in accordance with FCRA 605B.

2. Refused to delete a fraudulent XXXX XXXX account, which was likewise disputed under FCRA XXXX, and confirmed as identity theft by both the creditor and other CRAs.

These actions violate : FCRA 605B Mandates blocking of fraudulent accounts FCRA 611 ( a ) ( 5 ) ( B ) Prohibits reinsertion without proper certification and consumer notice FCRA 623 ( a ) ( 6 ) Furnishing fraudulent data after being notified of ID theft FCRA 1681n / 1681o Civil liability for willful/negligent noncompliance I was not notified of any reinsertion of the XXXX XXXX XXXX account , nor was any proper investigation or block honored on the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
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 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I had a credit card with XXXX XXXX XXXX they advised that I would have the fees and other late fees taken off the balance and I would be given the chance due to hurricane issues in my area and would pay a small payment with no fees til the balance was paid off in full but my account was not fixed as promised all fees stayed on my account and I was never given the min payment with the payment terms due to hurricane disaster relief they referred me to Lvnv and then lvnv got an attorney so now 3 people are after one debt never saw where 3 agencies after one bill at the same time as of todays date none of the payment arrangements nor the fees have been taken off the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-07 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: NJ

Complaint narrative:
I called XXXX times months of XXXX, and XXXX. I told them my hardships, and they granted me an extension. following the direction of staff, i was never late. ever. I called multiple times a month knowing the phone conversations were recorded to avoid a late payment The company went out of business or sold my account, I call so much because none of the staff was knowledgeable about the company. I received a late payment I spoke with a manage and again she was unaware of anything I spoke of. denied the reversal of late payment I requested a view of the recorded conversation, detailing the lies and misleading information given to me. I was never granted that investigation. I was never late!!

Company response to consumer: Closed with explanation