vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] [ Creditor/Collection Agency Name ] [ Creditors Address ] [ City, State, ZIP Code ] Subject : Request for IRS Form XXXX Account # [ Your Account Number ] Dear XXXX XXXX To Whom It May Concern I am writing to formally request a copy of IRS Form 1099-C for the charged-off account # XXXX that was reported by your company. Under IRS regulations, a creditor is required to issue a 1099-C form when a debt of {$1100.00} or more is canceled or forgiven.

Upon reviewing my credit report, I noticed that this account has been charged off, but I have not received a 1099-C form reflecting the cancellation of debt. If this debt has indeed been canceled or forgiven, I kindly request that you provide me with a copy of the corresponding 1099-C form for my records and tax reporting purposes.

If you have not yet filed a 1099-C with the IRS for this account, please clarify whether the debt is still considered outstanding or if any reporting errors have occurred. I would appreciate your prompt response within 30 days of receiving this letter to ensure that my financial records remain accurate. 

Thank you for your time and cooperation. Please send the requested document to the address listed above, or feel free to contact me at XXXX or XXXX if additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] [ Creditor/Collection Agency Name ] [ Creditors Address ] [ City, State, ZIP Code ] Subject : Request for IRS Form XXXX Account # [ Your Account Number ] Dear XXXX XXXX To Whom It May Concern I am writing to formally request a copy of IRS Form 1099-C for the charged-off account # XXXX that was reported by your company. Under IRS regulations, a creditor is required to issue a 1099-C form when a debt of {$1100.00} or more is canceled or forgiven.

Upon reviewing my credit report, I noticed that this account has been charged off, but I have not received a 1099-C form reflecting the cancellation of debt. If this debt has indeed been canceled or forgiven, I kindly request that you provide me with a copy of the corresponding 1099-C form for my records and tax reporting purposes.

If you have not yet filed a 1099-C with the IRS for this account, please clarify whether the debt is still considered outstanding or if any reporting errors have occurred. I would appreciate your prompt response within 30 days of receiving this letter to ensure that my financial records remain accurate. 

Thank you for your time and cooperation. Please send the requested document to the address listed above, or feel free to contact me at XXXX or XXXX if additional information is needed. 

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 non-monetary relief
Consumer complaint received 2025-02-05 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:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Transunion consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of Investigation. 

This are the account that I've marked as inaccurate : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - negative accounts - SummaryXXXXTransUnionXXXX Last Updated XXXX XXXX Pays account as agreed TransUnion XXXX, Paid or paying as agreed XXXX Payment Status Current account/was delinquent 60 days past due date XXXXClosed XXXX ( Revolving ) Accounts - negative accounts - closed - SummaryXXXXTransUnionXXXX Last Updated XXXX XXXX, Pays account as agreed Transunion XXXX, Paid or XXXX as agreed XXXX  XXXX Paid account/was delinquent 90 days past due datePayment XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - negative accounts - SummaryXXXXTransUnionXXXX Last Updated XXXX, Pays account as agreed Transunion XXXX, Paid or paying as agreed XXXX XXXX Current account/was 30 days past due date two times XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Accounts - XXXX accounts - SummaryXXXXTransUnionXXXX Last Updated XXXX XXXX, Pays account as agreed Transunion XXXX XXXX XXXX XXXX XXXX as agreed XXXX XXXX Current account/was 30 days past due date XXXX times Credit Inquiries Credit Inquiries XXXX SummaryXXXXTransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Erroneous activity has been reported multiple times. It is imperative that any unauthorized items are removed within four business days. These process includes verifying my identity, submitting an identity theft report, identifying the relevant information, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-05 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:
Formal Complaint for Removal of Child Support from Credit Report Account Number : [ XXXX ] I am writing to file a formal complaint regarding the improper reporting of child support obligations on my credit report. Based on the Fair Credit Reporting Act ( FCRA ) and its implementing regulations, I am requesting the immediate removal of all child support entries from my credit report for the following legal reasons : **Legal Basis for Removal** 1. The FCRA defines consumer credit transactions under 15 U.S.C. 1679a ( 3 ) as transactions involving " credit extended to a consumer primarily for personal, family, or household purposes. '' Child support obligations do not meet this statutory definition as they : - Are not extensions of credit - Do not involve a creditor-debtor relationship- Are court-ordered obligations rather than voluntary credit arrangements 2. Under 15 U.S.C. 1681b, credit reports may only be furnished for permissible purposes, which primarily relate to : - Credit transactions - Employment purposes - Insurance underwriting - Legitimate business needs The reporting of child support obligations falls outside these permissible purposes as defined by the statute. 

**Violation of FCRA Requirements** The current reporting of my child support obligations violates several key provisions of the FCRA : 1. Section 1681e ( b ) requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy. '' Including non-credit items like child support violates this accuracy requirement.

2. Section 1681c governs the content of consumer reports and does not explicitly authorize the reporting of child support obligations.

**Request for Action** Pursuant to these violations, I formally request : 1. Immediate investigation of this matter 2. Removal of all child support entries from my credit report 3. Notification to all parties who have received my credit report within the last six months of this error 4. Written confirmation of these actions within 30 days If the requested actions are not taken within the statutory timeframe, I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to : - Actual damages under 15 U.S.C. 1681n - Statutory damages- Punitive damages- Attorney 's fees and costs Please note that under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you have 30 days from receipt of this complaint to conduct a reasonable investigation and respond to this request. 


I look forward to your prompt response and resolution of this matter. All communications regarding this complaint should be sent to :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
The company that is claiming that I have a debt collection is attempting to collect money from a charged or written off account that was done so in XXXX. It now in my collections wrongly there. I want Experian, XXXX and whoever else to remove the false account and information.

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 2025-02-05 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: TX

Complaint narrative:
The company that is claiming that I have a debt collection is attempting to collect money from a charged or written off account that was done so in XXXX. It now in my collections wrongly there. I want XXXX, equifax and whoever else to remove the false account and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
The company that is claiming that I have a debt collection is attempting to collect money from a charged or written off account that was done so in XXXX. It now in my collections wrongly there. I want XXXX, XXXX and whoever else to remove the false account and information.

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 2025-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
Robinhood Spending Account Endangerment and Weak Safeguards. 

Robinhood as of XX/XX/XXXX restricted my debit Robinhood Spending Account for Unusual Activity after making several deposits from my XXXX XXXX XXXX Checking Account and XXXX XXXX XXXX XXXX. 

The purpose of the transfers were to invest in my Robinhood Brokerage and pay my rent including my XXXX  XXXX bankruptcy via XXXX XXXX to my TRUSTEE which has now put my XXXX  XXXX bankruptcy in jeopardy of being dismissed as of XX/XX/year>. 

I have submitted multiple email requests and phone calls to resolve and release my account. They refuse to speak about why my account has been restricted. The so-called unusual activity was created by myself, making multiple deposits to my Robinhood Spending account XXXX 

This has now endangered me as a customer I have no access to any money. I am unable to buy food, gas, pay my rent, pay my bankruptcy I have no access to credit. 

This could have been simply resolved by asking for documentation or confirming my identity via email or telephone that I am the owners of the XXXX and XXXX account and did in fact make these deposits. 

All of my money is in my Robinhood Spending Account I am in danger, I have no access to money for rent, food, gas or pay my XXXX  XXXX Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
These inquiries were unauthorized and im a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
In accordance whit the fair credit reporting act account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
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 connot furnish a account without my written instrucctions.

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 2025-02-05 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: VA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in XXXX  access to the XXXX XXXX XXXX XXXX XXXX Thank you for prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

Complaint narrative:
L J Ross Associates Subject : Urgent Dispute Fraudulent Account Removal To Whom It May Concern, I am writing to formally dispute the account associated with XXXX XXXX XXXX, which has been fraudulently opened using my Social Security number. I have never opened an account with this company, nor have I ever heard of them a day in my life. This is not a debt I owe, and its presence on my credit report is both inaccurate and damaging. 

I am demanding that this fraudulent account be immediately closed and removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that only accurate and verifiable information is reported. Since this debt is fraudulent, it must be deleted from all credit bureaus where it has been reported. 

If this matter is not resolved promptly, I will have no choice but to continue filing multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) and escalate my dispute further if necessary. I expect written confirmation that this account has been permanently removed. 

Please treat this matter with urgency, as I will not tolerate fraudulent information damaging my credit any longer. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Unauthorized and Fraudulent Reporting of Student Loans Dear [ Experian ] I am writing to formally dispute the student loan information that appears on my credit report. These loans have been fraudulently reported without my authorization, and I demand their immediate removal. 
The specific account ( s ) in question are : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Reason for Dispute : I never provided XXXX or any loan servicer permission to report this loan to credit bureaus, making this reporting unlawful and fraudulent. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure that all reported information is accurate and legally permissible. Student loans are not traditional consumer credit, and I never signed any agreement allowing this debt to be reported on my credit file. Reporting these loans without my consent is a violation of my consumer rights. 
I demand the immediate deletion of these accounts from my credit file. If you refuse to remove these items, I request : XXXX. A legal explanation detailing the authority by which this loan has been reported. 
XXXX. Proof of my signed authorization granting permission for XXXX or any loan servicer to share my information with credit bureaus. 
Under the FCRA, you are required to complete your investigation within 30 days. If these fraudulent accounts are not removed, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel to pursue further action. 
Please confirm receipt of this dispute and provide an updated copy of my credit report once these accounts have been deleted. 
Sincerely, [ XXXX XXXX XXXX XXXX : [ I have submitted FTC complaint XXXX Complaint # 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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
as of XX/XX/year> when i pulled my credit report for equifax, debt collection account " XXXX XXXX XXXX '' was closed. as of XX/XX/year> the account just happens to be open again. i believe that someone has messed up and verify and ensure the account is being reported 100 % accurate and if not to be removed from my credit report

Company response to consumer: Closed with explanation