vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX  XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX  Balance {$8900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1900.00} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX 2025

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 2025-03-29 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: CA

Complaint narrative:
My identity was stolen while I was overseas serving my company. I file numerous disputes against TransUnion about my situation and turned in all my documents proving that I did not authorize or sign a contract with XXXX XXXX XXXX. The company is a scam and I was never provided any proof. I talk to the supervisor XXXX with TransUnion and he's telling how they are verifying the account is that they send over the documents electronically and XXXX verifying as accurate. I'm asking for them to call in and speak to someone directly and check the signature on the contract but he informed me that they don't do. I ask for a proper investigation and I'm still not getting one. I'm part of the XXXX XXXX TransUnion class action lawsuit and TransUnion still not properly investigating. I turn my letter of deployment and XXXX the TransUnion supervisor still won't delete this fraud account from my account. He should not work there if he can't follow the FCRA rules, TransUnion clearly don't respect the rules or the class action lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I'm disputing the information in this FTC complaint, as it appears on my credit profile, I would like validation of the debt to prove it belongs to me XXXX XXXX. If the debt can't be validated, I would like to for the debt to be removed from the credit profile. Please note

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: NY

Complaint narrative:
I am writing to formally request the immediate deletion of the following account from my credit report : Creditor Name : XXXX Re : XXXXXXXX XXXX ending in XXXX The creditor has officially discharged this debt and issued a 1099-C Cancellation of Debt form, which has been recognized by the IRS as taxable income. By law, this means the obligation to repay has been legally canceled and can no longer be classified as a delinquent, past-due, or charged-off debt. Any continued reporting of this account as a derogatory mark is inaccurate, misleading, and a violation of FCRA guidelines under 15 U.S.C. $ 1681s-2. Per IRS guidelines, once a debt has been canceled and reported as income, it is no longer collectible or enforceable. 
The reporting of a XXXX balance while still listing it as a charge-off or derogatory item creates a factual inconsistency that must be corrected through full deletion of the account. 
Additionally, failure to properly update my report to reflect this legal status is an act of continued misrepresentation that directly affects my financial standing. I request that this account be removed immediately to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and to prevent the misreporting of legally canceled debt.

I have enclosed a copy of my 1099-C form as supporting documentation, which serves as official proof that the balance no longer exists. As such, there is no legal basis for continued reporting.

Please provide me with an updated credit report reflecting this deletion. If the account is not removed, I will have no choice but to escalate this matter, as continued misreporting of an account that has been legally forgiven is an unlawful practice.

I appreciate your prompt attention to this matter and expect written confirmation of the deletion within the legally required timeframe. 
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 2025-03-29 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: OH

Complaint narrative:
I sent out dispute letters to get information regarding these accounts and was not given any information regarding these account yet they are reporting. emails sent to me via credit reporting agency that my information had been compromised and used on black market. please investigate these accounts. 

I am writing to formally dispute and request the immediate removal of fraudulent and/or inaccurate information from my Experian credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605B Obligation to block fraudulent information resulting from identity theft, and FCRA 1681i Obligation to reinvestigate disputed information that is incomplete or inaccurate.

Fraudulent Account ( s ) to Be Blocked/Removed Reason : This account is the result of identity theft. I did not open or authorize this account.

Under FCRA 605B, I am requesting that you permanently block and remove this account from my credit report within 4 business days, as required by law.

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 2025-03-29 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally dispute Bank of Americas decision to deny my claim related to a hotel charge that I could not utilize due to an extreme snowstorm. On the date in question, all major roads were closed as a result of severe weather conditions, making travel to the hotel impossible. This situation was entirely outside my control. 

Despite my multiple attempts to contact the hotel directly to request a refund or a credit for future use, the hotel refused to resolve the issue. Following these attempts, I turned to Bank of America and initiated a dispute for the charges. However, I was informed that my dispute was not approved, and the charges remain on my account.

I would like to emphasize the following points : 1. Unavoidable Circumstances : The snowstorm and mandatory road closures were declared by local authorities. This was not a matter of personal choice or negligence. I was prevented from safely reaching the hotel due to official travel advisories and road closures.

2. Multiple Contact Attempts : I reached out to the hotel on several occasions to find a fair resolutionwhether through a refund, rescheduling, or a credit. These requests were denied.

3. Dispute Denial : Bank of Americas denial of my dispute fails to account for the extraordinary nature of the situation. I provided evidence ( weather reports, closure advisories, etc. ) to support that this was not a typical cancellation scenario.

4. Fair Resolution Requested : Given these circumstances, I respectfully request that Bank of America reassess the dispute in light of the documented weather emergency. If Bank of America stands by its denial, I ask for a clear explanation of how it reached that conclusion, despite the provided evidence of unavoidable circumstances.

I am submitting this letter as a formal complaint and copying the Consumer Financial Protection Bureau ( CFPB ) because I believe my rights as a consumer have not been fully considered. I seek a fair and impartial review of my dispute and the supporting documentation. If any additional information is needed, I am prepared to provide it.

Thank you for your prompt attention to this matter. I hope to reach a just resolution without further escalation. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credi Collection Serv is trying to collect XXXX that I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: MD

Complaint narrative:
Experian ( TransUnion, Equifax ) has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-29 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: MD

Complaint narrative:
Experian ( TransUnion, Equifax ) has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
I am writing to formally request the immediate deletion of the following account from my credit report : Creditor Name : XXXX Re : XXXXXXXX XXXX ending in XXXX The creditor has officially discharged this debt and issued a 1099-C Cancellation of Debt form, which has been recognized by the IRS as taxable income. By law, this means the obligation to repay has been legally canceled and can no longer be classified as a delinquent, past-due, or charged-off debt. Any continued reporting of this account as a derogatory mark is inaccurate, misleading, and a violation of FCRA guidelines under 15 U.S.C. $ 1681s-2. Per IRS guidelines, once a debt has been canceled and reported as income, it is no longer collectible or enforceable. 
The reporting of a XXXX balance while still listing it as a charge-off or derogatory item creates a factual inconsistency that must be corrected through full deletion of the account. 
Additionally, failure to properly update my report to reflect this legal status is an act of continued misrepresentation that directly affects my financial standing. I request that this account be removed immediately to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and to prevent the misreporting of legally canceled debt.

I have enclosed a copy of my 1099-C form as supporting documentation, which serves as official proof that the balance no longer exists. As such, there is no legal basis for continued reporting.

Please provide me with an updated credit report reflecting this deletion. If the account is not removed, I will have no choice but to escalate this matter, as continued misreporting of an account that has been legally forgiven is an unlawful practice.

I appreciate your prompt attention to this matter and expect written confirmation of the deletion within the legally required timeframe. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
I am writing to express my outrage and demand immediate action following the exposure of my sensitive personal information due to the well-documented data breaches at XXXX XXXX and Equifax. 



It is absolutely unacceptable that your agencies continue to profit off consumer data while failing to adequately protect it. The repeated incompetence and negligence in safeguarding the personal and financial information of millions of Americansincluding myselfhas resulted in long-term risk, financial vulnerability, and personal violation. 



Despite the public exposure of these breaches, I have received nothing but generic apologies and weak remedial efforts that do nothing to undo the damage done. I demand the following actions be taken immediately : XXXX. Place a permanent fraud alert and credit freeze on my credit profile across all three agenciesExperian, Equifax, and TransUnionat no cost to me.

2. Conduct a full audit of my credit file and flag any suspicious or unauthorized activity. 

XXXX. Provide written confirmation that my request has been completed and my data has been secured. 

4. Inform me of any third parties who accessed my data since the breaches occurred.

To the CFPB, I am formally requesting that your office investigate the mishandling of consumer data by these institutions. The continued existence of these credit reporting giants with minimal accountability is an insult to the American public. This is a systemic failure that can not be swept under the rug. 



If I do not receive a satisfactory response within 15 days, I will pursue further legal and media avenues. I refuse to be a silent victim of corporate carelessness and government inaction. 



Fix it. Now.

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 2025-03-29 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: SC

Complaint narrative:
I am writing to express my outrage and demand immediate action following the exposure of my sensitive personal information due to the well-documented data breaches at XXXX XXXX and Equifax. 



It is absolutely unacceptable that your agencies continue to profit off consumer data while failing to adequately protect it. The repeated incompetence and negligence in safeguarding the personal and financial information of millions of Americansincluding myselfhas resulted in long-term risk, financial vulnerability, and personal violation. 



Despite the public exposure of these breaches, I have received nothing but generic apologies and weak remedial efforts that do nothing to undo the damage done. I demand the following actions be taken immediately : XXXX. Place a permanent fraud alert and credit freeze on my credit profile across all three agenciesExperian, Equifax, and TransUnionat no cost to me.

2. Conduct a full audit of my credit file and flag any suspicious or unauthorized activity. 

XXXX. Provide written confirmation that my request has been completed and my data has been secured. 

4. Inform me of any third parties who accessed my data since the breaches occurred.

To the CFPB, I am formally requesting that your office investigate the mishandling of consumer data by these institutions. The continued existence of these credit reporting giants with minimal accountability is an insult to the American public. This is a systemic failure that can not be swept under the rug. 



If I do not receive a satisfactory response within 15 days, I will pursue further legal and media avenues. I refuse to be a silent victim of corporate carelessness and government inaction. 



Fix it. Now.

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 2025-03-29 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: OH

Complaint narrative:
I have an inquiry on my credit report that I did not authorize-Inquiry XXXX-2024-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